I went through this exact same exercise last year on my rental CYV off 466A in Sumter County. I suspect thousands of them do not have a shutoff valve inside the home accessible to the homeowner, as required by every plumbing code I have ever lived under. As near as I can tell, it just depends on whichever plumber did your house. My neighbor on one side has the usual cheap plastic shutoff in the garage. The neighbor on the other side can't find his, so it's probably like mine. That's not the case in Marion County where I live, on the North side. Everyone I know there has a shutoff in the garage, as required by code.
I called a plumber to install a shutoff valve, and he dug up the yard next to the garage and found the cheap PVC valve buried in the yard that was supposed to pass for a shut off valve. It was going to cost a fortune to extend it to the garage and make a hole in the concrete/stucco wall. So I had him replace the cheap valve with something that might actually work on the day it is needed, and had him put it inside a box that cannot be buried under gravel and landscaping, just like the city's two water meters less than 5 ft away. I also had him install a shutoff on the irrigation line, which was entirely missing.
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