32732 Zip Code Homes $300,000 to $500,000

Browse All 32732 Zip Code FL Homes $300,000 to $500,000 for Sale

3 Beds ⋅ 2 Baths ⋅ Lake Harney Ranch Estates Lake Sec SubDv. ⋅ 32732 Zip Code

Welcome to 1630 Lake Harney Road in Geneva, Florida! Built in 2021, this MOVE-IN READY home combines modern finishes, open-concept living, and the charm of a peaceful country setting with NO HOA! Situated on a .29-acre lot with no rear neighbors, this beautifully maintained home features an upgraded paver driveway, oversized two-car garage, and inviting covered entry. Inside, enjoy a spacious split-bedroom floor plan with wood-look tile flooring throughout and a stunning kitchen featuring 42-inch cabinetry, granite countertops, stainless steel appliances, walk-in pantry, and oversized island overlooking the dining and great room. Expansive STACKING SLIDING GLASS DOORS open to the covered rear porch, creating a seamless indoor-outdoor living space ideal for entertaining and enjoying the Florida lifestyle. The private primary suite offers a sitting area, dual closets, and an oversized walk-in shower. Additional highlights include generously sized guest bedrooms and an interior laundry room with utility sink and storage. Enjoy the freedom of NO HOA, a spacious backyard, privacy, and a location outside the designated flood zone. Conveniently located near Lake Harney, the St. Johns River, boating, fishing, and outdoor recreation, with easy access to Oviedo, Lake Mary, and historic Downtown Sanford. Experience the best of Geneva country living with the comfort and convenience of newer construction. Schedule your private showing today!

1630 Lake Harney Road, Geneva

$379,000

4 Beds ⋅ 2 Baths ⋅ Rivers Bend 5 Acre Dev 22 Parcels SubDv. ⋅ 32732 Zip Code

Double-Wide Mobile Home on Land! Great opportunity to own a spacious property with land included. This home features a NEW ROOF, NEW HVAC system, and NEW water heater, offering several major updates already taken care of. Whether you're looking for your next investment or a place to call home, this property is worth a look! Don't miss out on this opportunity!

3235 E Osceola Road, Geneva

$434,900

3 Beds ⋅ 3 Baths ⋅ Lake Harney Ranch Estates Lake Sec SubDv. ⋅ 32732 Zip Code

Welcome to this charming Geneva home with a unique layout and plenty of versatility! The main home offers 3 bedrooms and 2 bathrooms, while the downstairs features a private mother-in-law suite complete with a full kitchen and full bathroom. The downstairs area provides a wonderful option for extended family, guests, or a private living space. The raised design also offers an impressive 4-car covered carport underneath, providing plenty of room for vehicles, storage, hobbies, or outdoor entertaining. Located in the peaceful community of Geneva, this property offers a unique combination of comfortable living space, flexibility, and ample covered parking. Come see all this home has to offer!

1784 Lake Harney Road, Geneva

$449,999

3 Beds ⋅ 2 Baths ⋅ Lake Harney Ranch Estates 3rd Sec SubDv. ⋅ 32732 Zip Code

Looking for newer construction, modern finishes and a little more breathing room in Geneva, Florida? Welcome to 1360 Jayce Court, a beautifully maintained 2024-built home offering three bedrooms, two bathrooms and thoughtfully designed single-story living on over 1/2 acre. Step inside to an open, light-filled floor plan with vaulted and tray ceilings, recessed lighting and neutral finishes throughout. The spacious kitchen is designed for everyday living and entertaining with white cabinetry, solid-surface countertops, stainless steel appliances, a large island with seating and an easy connection to the dining and living areas. The primary suite feels like a private retreat with a tray ceiling, peaceful backyard views and an ensuite bath featuring dual sinks and a nicely oversized walk-in shower, while two additional bedrooms and a second full bath provide plenty of flexibility for family, guests or a home office. Sliding glass doors extend the living space to a large screened porch overlooking the wooded backyard, where deer are known to wander through and the natural surroundings create a wonderfully peaceful setting. As an added bonus, this oversized homesite offers plenty of room to enjoy the outdoors, while an area finished with asphalt millings provides additional space for parking a trailer, boat or recreational toys. Thoughtful extras include a water softener, smart switches, smart thermostat, dedicated receptacle for EV charging, receptacle for a whole-house generator, inside laundry room and attached garage. With newer construction, modern conveniences and more than half an acre surrounded by the natural beauty Geneva is known for, 1360 Jayce Court offers the space, privacy and easygoing lifestyle that can be hard to find in Central Florida.

1360 Jayce Court, Geneva

$440,000

2 Beds ⋅ 1 Baths ⋅ Osceola Bluff South 5 Acre Dev 86 Parcels SubDv. ⋅ 32732 Zip Code

Discover the privacy, space, and possibilities of country living at 2415 Waccassa Street in Geneva, situated on approximately 5 acres with a private pond and surrounded by mature trees and natural Florida scenery. Zoned Agricultural, the property is located in Flood Zone X (the good one) with no known wetlands and is within a USDA-eligible area, offering potential zero-down financing for qualified buyers. The property features three separate structures, including a charming 2-bedroom, 1-bath block home, a spacious pole barn, and an additional outbuilding with a covered carport and enclosed storage area—providing plenty of room for vehicles, RVs, boats, equipment, or workshop use. Inside the home, you’ll find high ceilings, tile flooring, fresh neutral colors, recessed lighting, and a beautiful stone fireplace. The kitchen offers abundant wood cabinetry, stainless-steel appliances, tiled countertops, a pass-through breakfast bar, and an adjoining dining area. French doors lead to a large covered patio with a coordinating stone accent wall and expansive openings overlooking the peaceful surroundings. Whether you are seeking a private homestead, room for recreational equipment, or versatile storage and workspace, this unique Geneva property offers plenty of room to make it your own. Buyer to verify zoning, permitted uses, wetlands and flood-zone status, USDA eligibility, measurements, and information regarding all structures.

2415 Waccassa Street, Geneva

$495,000

Seminole Woods 5 Ac Dev SubDv. ⋅ 32732 Zip Code

Build the home you’ve always envisioned on five beautiful acres in Seminole Woods, one of Geneva’s most sought-after gated acreage communities. Partially cleared and ready for your vision, this exceptional homesite already features a landscaped driveway, giving you a head start toward creating a custom home, equestrian retreat or private country estate designed around the way you want to live. The property offers direct access to Seminole Woods’ horse-riding trails and backs to a picturesque 20-acre pasture, creating peaceful views, added privacy and a true sense of space. Life in Seminole Woods is about more than acreage. This established equestrian community features a 24-hour guarded entrance along with more than 20 miles of riding and hiking trails. Residents also enjoy a private lakefront park with boat launch, picnic pavilion, basketball court, playground and horseshoe pits, plus annual neighborhood events that bring the community together. Whether your plans include a custom home, barn, horses, outdoor living spaces or simply room to spread out, this five-acre Geneva property gives you the opportunity to create something uniquely yours. Bring your plans, bring your vision and start building the lifestyle you’ve always imagined in Seminole Woods.

261 Seminole Woods Boulevard, Geneva

$439,000

2 Beds ⋅ 1 Baths ⋅ Metes & Bounds SubDv. ⋅ 32732 Zip Code

4.58 HIGH-AND-DRY ACRES ON THE GENEVA BUBBLE.. High and dry — roughly 70 feet above sea level with no wetlands (FEMA determination on file), on Geneva's well-known "Bubble," prized for its elevation and excellent well water. 318 ft paved road frontage. Zoned A-5 / Rural-5, NO HOA. A circa-1926 farmhouse, which has been gutted, and detached garage sit on the property, sold strictly as-is. Power, septic and well on site create tax credits for a new build from Seminole County. Property Dimensions are approximately 627’ North side, 318’ West side, 629’ South side, and 318’ East side. Acreage has been thoughtfully under-brushed to showcase the beautiful trees while preserving the natural beauty of the land. Bring your toys, RV’s, and boats. 12 miles to the 417, 18 miles to I-95. Convenient access to the St. Johns River, public boat ramps, the Flagler Trail and Lake Harney Wilderness Area — hike, boat, fish, and enjoy Florida wildlife. Within an hour to Central Florida beaches, Space Coast, theme parks, and downtown Orlando.

450 Old Geneva Road, Geneva

$420,000

3 Beds ⋅ 2 Baths ⋅ Palm Shadows Vacd SubDv. ⋅ 32732 Zip Code

****Veterans looking for assumable va loan 3.37% *** GREAT ANGLER AIRBNB AREA *** Welcome to your own private waterfront retreat on the St. Johns River! Nestled in the peaceful community of Geneva, this beautifully renovated 3-bedroom, 2-bath home offers the perfect blend of modern updates and the relaxed Florida lifestyle you've been dreaming of. Situated on approximately .42 acres with nearly 80 feet of waterfront, this property is a true paradise for boating, fishing, and nature enthusiasts. Step outside to your private dock featuring a covered boat lift and direct navigable access to the St. Johns River, making every day feel like a vacation. Inside, the home has been thoughtfully updated with luxury vinyl flooring, a stunning kitchen complete with quartz countertops, new appliances, and beautifully remodeled bathrooms. A spacious laundry room, new tankless water heater, new HVAC system, and new roof provide peace of mind for years to come. Enjoy your morning coffee or evening sunsets from one of two enclosed Florida rooms while overlooking the tranquil water. Whether you're launching the boat, catching fish from your own dock, or simply relaxing with friends and family, this home offers an unmatched waterfront lifestyle. With no HOA, room for your toys, covered parking, and easy access to nearby boat ramps, this is a rare opportunity to own a move-in ready waterfront home in one of Central Florida's most scenic locations. Come experience the beauty, privacy, and adventure that Geneva waterfront living has to offer.

2082 Shady Lane, Geneva

$365,000

32732 Zip Code

Ready to build your dream home? Welcome to this stunning and peaceful property and imagine it nestled in the scattered oak trees. This high and dry property just under 4 acres is the perfect location, it’s within the Geneva bubble area with no HOA. This property is located near "The Flagler Trail" and "The Lake Harney Wilderness Preserve." This preserve includes 300 acres to hike and appreciate the outdoors. Only minutes to the St. Johns River with boating, fishing and enjoying wildlife. The property is conveniently located to the beaches, Space Coast, attractions and Downtown Orlando. Just minutes to Oviedo or Sanford. Additionally just 12 miles to the Sanford/Orlando International Airport. If that's not enough it's also in the highly rated Seminole County School District. There was a former homestead on the property so there might be a possibility of reduced impact fees. What a wonderful place to call home!

620 Cochran Road, Geneva

$400,000

Geneva Tr 15-20-32 SubDv. ⋅ 32732 Zip Code

NOW AVAILABLE FOR INDIVIDUAL PURCHASE! Don't miss this rare opportunity to own one of four beautiful buildable homesites in the heart of Geneva. Following a recent price adjustment, each lot is now being offered separately, giving buyers, builders, and investors the flexibility to purchase the parcel that best fits their needs. Available lot sizes include approximately 0.53 acres, 0.76 acres, 1.09 acres, and 3.63 acres, each offering the perfect setting to build your custom home in one of Central Florida's most desirable rural communities. Situated off a private roadway, these high and dry parcels are located within the highly sought-after "Geneva Bubble," an area well known for its elevated terrain, excellent well water, towering mature trees, and peaceful country setting. Enjoy the privacy of rural living while remaining just a short drive from shopping, dining, schools, and major roadways. Whether you're looking for the perfect homesite, planning your forever home, or searching for your next investment opportunity, these properties offer exceptional versatility and value. Builders also have the unique opportunity to purchase multiple adjoining lots for future development. Buildable lot research is available upon request. Buyers are encouraged to perform their own due diligence regarding building plans and intended use.

0000 Culver Way, Geneva

$424,000

3 Beds ⋅ 2 Baths ⋅ Palm Shadows Vacd Plat SubDv. ⋅ 32732 Zip Code

PRICE IMPROVEMENT! Don't miss this exceptional waterfront home in Geneva offering direct access to the St. Johns River from your own backyard! Located in the desirable Palm Shadows community, this canal-front property features approximately 80 feet of waterfront, a private dock, boathouse with motorized lift, and plenty of space to enjoy boating, fishing, kayaking, and the Florida lifestyle. Inside, you'll find a bright, inviting floor plan with comfortable living spaces designed for everyday living or weekend escapes. Situated on a peaceful lot with no HOA and no known lease restrictions, this property offers the perfect combination of privacy, flexibility, and outdoor recreation. Conveniently located near Orlando, Sanford, and the beaches while surrounded by the natural beauty of Geneva, this is a rare opportunity to own a move-in-ready waterfront home with boat access to the St. Johns River.

2086 Starboard Drive, Geneva

$349,900

Lake Harney Estates 5 Acre Dev 256 Parcels SubDv. ⋅ 32732 Zip Code

Seller is offering partial owner financing!!! Rare opportunity to own a high and dry 5-acre homesite in the highly sought-after rural community of Geneva! Positioned entirely within Flood Zone X on a paved road, this pristine, untouched parcel offers fully usable land and total peace of mind. It is the ultimate blank canvas to design your ideal lifestyle, whether that means a custom luxury estate, a private homestead with room for animals, or a peaceful weekend retreat. The property features electric available right at the street and a septic system that was installed in 1980 but has never been used (well will be needed). Zoned for top-rated, A-ranked Seminole County schools, this location perfectly balances secluded country living with modern convenience. Enjoy easy access to nearby horse trails, hiking, boating, and fishing, while staying just a short drive from shopping and dining in Oviedo and Sanford, SR-417, and the Orlando-Sanford International Airport. Large, fully buildable acreage in this coveted area rarely comes to market. Bring your builder and your imagination to create the serene, room-to-roam lifestyle you have always envisioned!

541 E Osceola Road, Geneva

$499,900

Washington Park SubDv. ⋅ 32732 Zip Code

This 8.32 acre property consists of 2 adjoining parcels with a right-of-way splitting them down the middle. It is an opportunity to own rural acreage in a growing area of Geneva, FL in Seminole County. This property offers space, freedom, privacy, and long term value. Geneva is known for its wide open land, and quick access to Oviedo, Lake Mary, and Sanford while still feeling worlds away from crowded neighborhoods. A-5 zoning allows horses, cattle, goats, and similar animals, Agricultural operations, Barns and accessory farm structures. Large parcels in this area appeal to families who want room to spread out, store equipment, enjoy outdoor hobbies, and build exactly what they want without HOA restrictions. These parcels support custom homes, gardens, barns, workshops, and small scale agricultural use. With the Econ River and miles of natural surroundings nearby, the area is also ideal for anyone who enjoys fishing, kayaking, hiking, hunting, or having wildlife as part of daily life. As of this listing date, all 3 schools in this Seminole County district are A rated schools. Low crime rates, and limited supply of acreage make Geneva a strong long term investment. Land here holds its value because it’s protected by low density planning, and consistently in demand among buyers seeking privacy without sacrificing convenience. For builders, the property presents a strategic opportunity. 20 years ago the current owner started work to subdivide the property into eight 1-acre parcels. Time got away so this was never complete however the surveys with proposed plats are available upon request. If buyer wishes to pursue these revised plats they will need to work with the county to change zoning from A-5 to A-1. BUYER WILL NEED TO DO THEIR DUE DILIGENCE ON ZONING AND SUBDIVIDING. Whether you’re a homeowner looking for space, an investor seeking a land asset with long term upside, or a builder exploring a niche with high demand, this property checks every box. Opportunities like this don’t come around often in Seminole County. Please note that only +/-one hundredth of this property is flood zone A.

Cochran Road, Geneva

$385,000

3 Beds ⋅ 2 Baths ⋅ Osceola Bluff South 5 Acre Dev 86 Parcels SubDv. ⋅ 32732 Zip Code

3/2 Mobile home on 5 acres. Land is a combination of wooded and cleared. Previously divided into multiple fenced areas for livestock. New roof September 2024. New AC April 2024. New Sump pump and iron-out water softener in April 2021. Perfect country living as is, or build your dream home on 5 acres.

Geneva

$350,000

4 Beds ⋅ 2 Baths ⋅ No Subdivision SubDv. ⋅ 32732 Zip Code

fully renovated 4BR/2BA concrete block home featuring fresh paint, brand new A/C new well, updated light fixtures, tile & new LVP flooring throughout. Kitchen offers solid new wood cabinetry, butcher block counters, new stainless appliances, & breakfast bar. Both bathrooms have been fully remodeled. Home includes a metal roof, covered patio, 12x28' pump shed/storage building & a 26'x20' carport. Nestled on a bluff at the end of a paved road with no river flooding history. Enjoy abundant wildlife, deer, turkey & bald eagles. Short boat ride to Lake Harney, Monroe, Jesup, Deep Creek, & Mullet Lake Park. Ideal for boating, fishing, tubing & nature lovers. Minutes to public ramps, Gators Riverside, Jolly Gator & Hammock Restaurants. Peaceful, private setting with outdoor adventure just around the corner. Oviedo, Sanford, Lake Mary Osteen, & Mims is just down the road.

4085 Cypress Bend, Geneva

Start Your Search

32732 has a handful of active homes from $300,000 to $500,000 on the market at any given time, so inventory here is thin. They run from $374,900 to $460,000, with a median around $422,000. The typical one is about 1,208 square feet with 3 bedrooms. The list below is pulled live from the MLS, so it is current even when this write-up is not.

32732 homes from $300,000 to $500,000 at a glance

Active listings	a handful
Median list price	$422,000
Price range	$374,900 to $460,000
Median size	1,208 sq ft
Median bedrooms	3
Median year built	1997
Median days on market	138

No HOA and optional HOA are not the same thing

Most searches lump these together. They are different to live in, and the difference is worth understanding before you rule a house in or out.

No association at all	0	No HOA, no dues, no architectural approval. You answer to the county and to any deed restrictions recorded on the plat, nothing else.
Association exists, membership optional	0	There is a community association but dues and membership are voluntary. No mandatory assessment, no enforcement arm, and usually no approval process for what you do with your own house. Many owners join for the amenities and nothing happens if you do not.

Neither one carries a mandatory assessment. That is the thing most buyers are actually trying to avoid when they search for no HOA. Deed restrictions can still exist in both cases and are recorded against the plat, so read them before you write.

32732 homes from $300,000 to $500,000 by price range

$300k-$500k	8

What to check before you write an offer

The largest band across the four counties, so the most choice and the most competition
Where new construction and resale overlap most directly
Lake County holds a bigger share of this band than of the market overall

Want any of these verified on a specific address? Call or text 407-616-9019 and we will pull it.

Frequently asked questions

How many homes from $300,000 to $500,000 are for sale in 32732?

There are a handful active at any given time. The list on this page comes straight from the MLS and updates on its own.

What do homes from $300,000 to $500,000 cost in 32732?

The median list price is around $422,000, with the range running $374,900 to $460,000.

Can you show me homes from $300,000 to $500,000 in 32732?

Yes. Call or text 407-616-9019 and we will set up showings.