32732 Zip Code Waterfront Homes

Browse All 32732 Zip Code FL Waterfront Homes for Sale

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

$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

$500,000

2 Beds ⋅ 2 Baths ⋅ Lake Harney Beach SubDv. ⋅ 32732 Zip Code

Nestled on a breathtaking .4-acre lot on beautiful Lake Harney, this charming 2-bedroom, 2-bathroom home offers approximately 1,100 square feet of comfortable living space paired with truly unforgettable waterfront views. Tucked away on a quiet road in an exceptionally safe and peaceful neighborhood, the property provides the perfect blend of privacy and tranquility. A private gated entrance welcomes you into a lush, maturely landscaped setting that creates a serene retreat feel from the moment you arrive. Inside, the home features an inviting open floor plan designed to maximize both space and natural light while capturing stunning lake views throughout the main living areas. Recent upgrades have transformed this property into a move-in-ready oasis, including new double-pane windows and sliding glass doors, new blinds and window treatments, a brand-new AC and heat pump system with both air handler and compressor, and a new tankless water heater installed in 2026. Additional improvements include updated interior and exterior electrical panels and breakers, new toilets, a whole-house water filtration system, and a reverse osmosis water purification system for exceptional water quality. The exterior amenities are equally impressive, offering extensive enhancements completed in 2024 and 2025. Enjoy the outdoors year-round from the newly constructed aluminum screen room with an insulated roof, while both lakeside and street-side aluminum fencing provide beauty and security. The entire lot was professionally re-landscaped in 2025, creating a stunning outdoor environment that complements the priceless lakefront setting. For added convenience and future flexibility, the property also features a newly permitted aerobic septic system designed for up to a 4-bedroom, 4-bathroom home, along with a new 50-amp electrical and sewer hookup ready for RV parking. This is a rare opportunity to own a beautifully updated lakefront property with unmatched privacy, modern upgrades, and incredible potential.

2462 Fort Lane Road, Geneva

$1,070,000

4 Beds ⋅ 3 Baths ⋅ Seminole Woods 5 Ac Dev SubDv. ⋅ 32732 Zip Code

HUGE PRICE REDUCTION --- Welcome to Seminole Woods and to the intriguing design of this Arthur Rutenberg built home on five wooded acres with over 200 feet of frontage on a private picturesque pond. As you approach this home for the first time you're struck by the lovely Tuscan influenced front elevation: pillars at the entryway, high arches over windows and the front door, and two lovely full bay windows. This spacious single-story home offers a well placed split bedroom floor plan, a designated front-of-the-home office, a large dining room, living room, kitchen and an incredible family room you’ve just got to see. The many upgraded and well planned custom features continue as you discover the interior: please notice such designer upgrades as the high recessed tray ceilings, a continuation of the pillared theme, the rich crown molding throughout, the wall niches, built-in shelves, butler pantry, beautiful water resistant marble window sills, and more than expected closet space throughout. From the living room, breakfast nook, kitchen and family room you can enjoy the panoramic view of the pool, the covered lanai, and beyond it, down the hill, the private nature-framed pond. The screen enclosed infinity edged pool has for added ambiance a decorative rock fountain and heated in-ground spa, all surrounded by genuine fieldstone decking. For your peace of mind, major updates include a new roof in November 2021; the exterior was just professionally painted last month; the two air conditioners new in 2020 & 2024; the Generac whole-house generator installed in May, 2025; the pool heater in 2022, and a brand new two-speed pool pump in July 2026. The pool and decking were leak checked, serviced and renovated early this year. Seminole Woods is an equestrian community and a nature lover's dream. Amenities include miles of trails for horses and hikers, a gated park on full-use skiable Buck Lake with a dock and boat launch, a picnic pavilion available for residents’ events, sports courts (yes pickleball too) and a large playground.

420 Valley Stream Drive, Geneva

Start Your Search

32732 has a handful of active waterfront homes on the market at any given time, so inventory here is thin. They run from $424,000 to $1,450,000, with a median around $925,000. The typical one is about 3,072 square feet with 4 bedrooms. The list below is pulled live from the MLS, so it is current even when this write-up is not.

32732 waterfront homes at a glance

Active listings	a handful
Median list price	$925,000
Price range	$424,000 to $1,450,000
Median size	3,072 sq ft
Median bedrooms	4
Median year built	1984
Median days on market	83

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 waterfront homes by price range

$300k-$500k	2
$500k-$750k	1
$750k-$1M	1
$1M+	3

What to check before you write an offer

Lakefront vs canal vs riverfront vs intracoastal
Flood zone and insurance
Dock permits and seawall condition
Boatable vs non-boatable water

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 waterfront homes 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 waterfront homes cost in 32732?

The median list price is around $925,000, with the range running $424,000 to $1,450,000.

Do waterfront homes need flood insurance?

It depends on the flood zone, not on whether the home touches water. A lender requires it in some zones and not others, and the premium varies widely. Get the elevation certificate early.

Can you show me waterfront homes in 32732?

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