32738 has roughly 10 to 20 active waterfront homes on the market at any given time. They run from $259,000 to $1,425,000, with a median around $394,949. The typical one is about 1,723 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.
32738 waterfront homes at a glance
| Active listings | roughly 10 to 20 |
| Median list price | $394,949 |
| Price range | $259,000 to $1,425,000 |
| Median size | 1,723 sq ft |
| Median bedrooms | 4 |
| Median year built | 1999 |
| Median days on market | 73 |
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 | 1 | 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.
32738 waterfront homes by price range
| under $300k | 1 |
| $300k-$500k | 9 |
| $500k-$750k | 1 |
| $1M+ | 1 |
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 32738?
There are roughly 10 to 20 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 32738?
The median list price is around $394,949, with the range running $259,000 to $1,425,000.
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 32738?
Yes. Call or text 407-616-9019 and we will set up showings.
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