32732 Zip Code Waterfront Homes

Browse All 32732 Zip Code FL Waterfront Homes for Sale

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

$525,000

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

$1,120,000

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

NEW PRICE - - - TOTAL EXTERIOR WAS JUST PROFESSIONALLY PAINTED - ABSOLUTELY GORGEOUS - - - Welcome to Seminole Woods and to the architecturally intriguing design of this Arthur Rutenberg built home on five wooded acres with over 200 feet of frontage on a private picturesque pond. This spacious single-story home offers four well spaced bedrooms, a designated front-of-the-home office, and large dining room, living room, kitchen and family room. As you approach this home for the first time you're struck by the two Tuscan influenced pillars at the entrance, the high arches over the windows and front entry, and the two full bay windows on either side of the entryway. The custom designed features continue as you discover the interior: please notice among the many designer upgrades the high recessed tray ceilings, a continuation of the pillared theme, the rich crown molding throughout, and the wall niches, built-in shelves & butler pantry, and more than ample 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 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 reinforced early this year. Seminole Woods is an equestrian community and a nature lover's dream. Amenities include miles of trails for horses and hikers, and a gated park on full-use skiable Buck Lake with a dock and boat launch, a picnic pavilion, sports courts and playground.

420 Valley Stream Drive, Geneva

$1,199,000

4 Beds ⋅ 4 Baths ⋅ 32732 Zip Code

Fully renovated ranch-style estate offering refined country luxury offering just over 10 deeded acres, including lakefront acreage, with a high-and-dry homesite and open pasture. With an effective year of 1990 and extensive renovations and capital improvements completed between 2021–2026, the home combines established character with substantially updated systems, finishes, and outdoor amenities. This 4-bedroom plus den residence features an open floor plan with soaring cathedral ceilings, a wood-burning fireplace with a stone façade, and French doors opening to a screened lanai with tongue-and-groove wood ceilings overlooking the pool and heated spa. The kitchen is both elevated and highly functional with leathered granite countertops, abundant white cabinetry, stainless appliances, and a walk-in pantry concealed behind custom barn doors, with a laundry room conveniently located just off the kitchen. A matching custom barn door leads to the private study/den. The primary suite is a true retreat, privately positioned with direct access to the lanai, an expansive walk-in closet, and a well-appointed ensuite with an oversized shower and separate water closet. Two secondary bedrooms feature ensuite bathrooms, while an additional bedroom—currently used as an office—opens through sliding glass doors to a private side porch. Outdoors, the property lends itself beautifully to equestrian, hobby farm, or private retreat living, with a lakeside fire pit, open pasture, fenced vegetable garden, and barn with two horse stalls and a tack room. A 3-car carport provides substantial covered parking along with an enclosed workspace and additional storage. Significant improvements include a metal roof, HVAC and ductwork, updated electrical panel, whole-house replumb, new drainfield, water filtration and softener system, pool equipment and spa heater, along with extensive interior renovations and continued property improvements. A rare combination of renovated, move-in-ready living, acreage, equestrian capability, lakefront setting, and resort-style outdoor space—offering the freedom and privacy of country living without taking on a major renovation project.

650 Old Mims Road, Geneva

Start Your Search

32732 has a handful of active waterfront homes on the market at any given time, so inventory here is thin and moves quickly. 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.