Browse All 32746 Zip Code FL Properties with No HOA Fee for Sale

5 Beds ⋅ 3 Baths ⋅ Lake Mary Woods SubDv. ⋅ 32746 Zip Code

Welcome home to this incredible custom property situated on an expansive .35-acre corner lot in a quiet cul-de-sac right in Lake Mary Woods! Inside, the home has a warm, inviting feel with durable wood-look flooring throughout the main areas and not just one, but TWO fireplaces to gather around. The main living room features a gorgeous floor-to-ceiling stacked stone fireplace with a rustic wood mantle, sitting right next to French doors that overlook to the pool. If you work from home, the private office is ready to go with high-end built-in desks, lots of storage cabinets, and great natural light through the arched window. The kitchen is truly the heart of this house, finished with custom painted cabinetry, ornate molding, granite countertops, a tumbled stone backsplash, and a gas range cooktop with built-in wall ovens. The center island under the pendant lights makes prepping dinner or hosting friends super easy! The primary suite is your own private getaway. You'll love the huge dual walk-in closets with built-in shelving systems on both sides. The primary bathroom feels like a luxury hotel, complete with a garden soaking tub, a crystal chandelier, plantation shutters, a frameless glass shower, and a custom double vanity with granite tops. Step out back into an outdoor setup made for Florida living! The screened-in pool and spillover spa are surrounded by a spacious covered lanai with high vaulted ceilings, plenty of lounging room, and a full outdoor bar and grill station for weekend BBQs. There's even a dedicated full bath with direct pool access, so guests never have to walk through the house with wet feet. Other great touches include a fully updated laundry and mudroom area with butcher block tops, an undermount utility sink, and a built-in bench. You're zoned for top Seminole County schools and just minutes from everything Lake Mary has to offer - from shops and restaurants to I-4 and 417.

464 Elmwood Circle, Lake Mary

$699,000

4 Beds ⋅ 3 Baths ⋅ Crystal Lake Heights SubDv. ⋅ 32746 Zip Code

Welcome home! The neighbors call this one of the best kept secrets in Lake Mary. This beautiful property sits on a beautiful newly landscaped corner lot that spans over half an acre in a no HOA community. As soon as you enter into the home, you'll notice the beautiful ceramic tile flooring, crown molding and very spacious room sizes. This home features a beautiful open kitchen layout with plenty of countertop and cabinet space that overlooks the family room that has a beautiful fireplace. Off the family room are three sliding glass doors that lead into your covered, screened-in patio. Take full advantage of the recently converted saltwater pool and backyard oasis in your oversized backyard. Perfect for entertaining! This home features dual suites, with the main suite offering a jetted tub, separate shower, dual granite-top vanities and a spacious walk-in closet. The other primary suite features a beautifully tiled shower, a granite-top vanity and a spacious closet. This home features an extended, newly landscaped driveway with a spacious side-load entry and two-car garage. The property has been completely renovated recently, and the seller has made some amazing improvements, including repiping the plumbing and sewer line and installing a new well pump and piping. Featuring a newer roof and HVAC as well as updated electrical. Conveniently located just minutes from local dining and shopping. Reach out to the listing agent today!

102 Linda Lane, Lake Mary

$899,777

4 Beds ⋅ 4 Baths ⋅ Cardinal Oaks Estates SubDv. ⋅ 32746 Zip Code

Rare acreage, privacy, and convenience come together in this one owner Cardinal Oaks estate. Set on approximately 3.3 acres in Lake Mary, this spacious 4-bedroom, 4-bath home offers room to relax, gather, and enjoy a private Florida lifestyle with no HOA. Inside, find a remodeled kitchen with newer cabinetry and appliances, ceramic tile downstairs, newer vinyl flooring upstairs, and a generous primary suite with a Jacuzzi tub. Thoughtful features include a laundry chute, built-in safety bolts, and abundant storage. A 2022 roof, circular driveway, and 2-car garage add everyday convenience. Unwind on the covered, screened lanai overlooking mature oak trees, decorative fountains, boulder landscaping, and expansive grounds. Located in Flood Zone X, the property offers a peaceful estate setting with convenient access to Lake Mary shopping, dining, schools, and major roadways. Enjoy space, comfort, and freedom in Cardinal Oaks—approximately 3.3 acres, 4 bedrooms, 4 baths, and no HOA.

120 Monica Court, Lake Mary

$799,000

5 Beds ⋅ 4 Baths ⋅ Cardinal Oaks Cove SubDv. ⋅ 32746 Zip Code

Virtually Staged. Welcome to the highly desirable Cardinal Oaks Cove, one of Lake Mary’s hidden gems-with no HOA. Offering 5 bedrooms, 4 bathrooms, and 3,475 square feet, this spacious home is designed for comfortable living and entertaining. The kitchen features an island and opens to the great room, where a fireplace and direct pool access create a welcoming gathering space. Formal living and dining rooms provide additional room to entertain. Just off the kitchen, the indoor laundry room includes built-in cabinets. Enjoy a sparkling enclosed pool and an approximately 400 square foot covered lanai featuring a custom-built bar and mini fridge, surrounded by lush landscaping for added privacy. The oversized garage also features custom storage cabinets. The main-floor primary suite includes an ensuite bath with a walk-in closet, walk-in shower, double vanities and a private water closet. Upstairs are four additional bedrooms, two bathrooms and a spacious loft with a custom-built bookcase. One of the bathrooms is a Jack-and-Jill. One bedroom also features custom-built drawers and additional storage. Located in the heart of Lake Mary, this home is just minutes from fine dining, shopping and major highways-offering easy access to everything Central Florida has to offer.

400 Pine Tree Road, Lake Mary

$339,000

2 Beds ⋅ 1 Baths ⋅ Crystal Lake Winter Homes SubDv. ⋅ 32746 Zip Code

Downtown Lake Mary builder opportunity. Ideal for builders and investors: 0.44-acre R-1A lot in downtown

189 W Wilbur Avenue, Lake Mary

$7,095,000

5 Beds ⋅ 7 Baths ⋅ The Cove SubDv. ⋅ 32746 Zip Code

Pre-Construction. To be built. Generational ownership property is now available to new owners! This six-acre lakefront property presents a rare opportunity to own one of Lake Mary’s true legacy estates. This property is available as as-is without build (old home and structures remain). Set behind the private gates of The Cove, yet uniquely exempt from the community’s HOA, the property is reached by a long, tree-lined private drive that opens to more than 800 feet of shoreline along Crystal Lake. Here, the lake becomes part of everyday life, offering endless opportunities for boating, waterskiing, fishing, swimming and kayaking, while western sunsets, abundant wildlife and the natural beauty of the waterfront create a sense of privacy and place that is increasingly hard to find. Planned for the site is a Transitional Modern estate to be built by Konkol Custom Homes, one of Central Florida’s premier luxury homebuilders. With approximately 7,768 square feet under air and 10,790 total square feet, the residence is designed to take full advantage of the waterfront setting while offering the comfort, scale and flexibility expected of a custom luxury home. The floor plan includes five bedrooms, five full and two half baths, along with four garage spaces arranged as two separate two-car garages. Inside, expansive living areas are defined by dramatic open-to-below spaces and an easy connection between the home’s main gathering areas. The great room is centered around a fireplace and flows naturally into the dining area and kitchen, where a large island and separate scullery create a layout equally suited for everyday living and entertaining. The primary suite is privately positioned in its own wing with generous walk-in closets, a spacious bath and an adjacent yoga room or flex space. A separate guest or multigenerational suite includes its own en-suite bath and walk-in closet, providing privacy and comfort for extended stays. A dedicated gym with a dry sauna creates a private wellness space at home, while upstairs an open loft, two private offices, additional storage, a covered balcony and open overlooks add versatility. An elevator provides convenient access between levels. The outdoor spaces are designed to feel like an extension of the home. A generous covered living area and summer kitchen open to the pool, deck and expansive grounds, with the lake always part of the view. Beyond the backyard, more than 800 feet of shoreline, a private dock and a boathouse make it easy to enjoy Crystal Lake, whether heading out on the boat, spending an afternoon on the water or settling in to watch the sunset. Lake Mary’s dining, shopping, entertainment and everyday conveniences are only minutes away, while Interstate 4, SR 417 and the Wekiva Parkway provide easy access throughout Central Florida. (Illustrations are renderings and subject to change by buyer or builder).

2636 Reagan Trail, Lake Mary

$1,595,000

4 Beds ⋅ 3 Baths ⋅ Crystal Lake SubDv. ⋅ 32746 Zip Code

Private lakefront living on 2.9 acres in the heart of Lake Mary. This beautifully remodeled residence features direct lake frontage, breathtaking water views, and exceptional privacy. Thoughtfully updated living spaces and a spa-inspired primary bath create the perfect blend of comfort and luxury. Enjoy a secluded retreat surrounded by nature while remaining minutes from downtown Lake Mary, shopping, dining, community events, and the area's golf-cart-friendly lifestyle. A rare opportunity to own acreage, waterfront, and convenience in one exceptional property.

401 N 1st Street, Lake Mary

$599,000

4 Beds ⋅ 3 Baths ⋅ 300 SubDv. ⋅ 32746 Zip Code

estate investment property with garage 22' x 22' multi million dollar neighboring properties. zoned AG-1 low taxes great location to growing downtown Lake Mary excellent schools and train station

1715 W Lake Mary Boulevard, Lake Mary

$495,000

5 Beds ⋅ 3 Baths ⋅ Crystal Lake Winter Homes SubDv. ⋅ 32746 Zip Code

Located in the heart of highly desirable Lake Mary, this spacious 5-bedroom, 3-bathroom home presents an incredible opportunity to create something truly special. Offering a versatile floor plan with generous living spaces, this property is ready for its next chapter. Outside, you'll find a fully fenced backyard complete with a private pool, providing the perfect foundation for an amazing outdoor retreat. Whether you envision entertaining, relaxing, or creating your dream backyard oasis, the space is here to make it happen. The interior is ready for a complete renovation, making this an ideal opportunity for buyers looking to customize a home to their own style and preferences. With its exceptional location, spacious layout, and strong underlying potential, this property offers the chance to invest in one of Central Florida's most sought-after communities. Conveniently located near top-rated Seminole County schools, shopping, dining, parks, and major highways, this is a rare opportunity to reimagine a home in an established Lake Mary neighborhood. Bring your vision and unlock the possibilities.

164 E Goodheart Avenue, Lake Mary

$2,695,000

5 Beds ⋅ 5 Baths ⋅ Orange & Markham SubDv. ⋅ 32746 Zip Code

Virtually Staged. Under Construction. Introducing a rare opportunity to own a landmark new construction in Lake Mary's premier corridor — 5,117 sq ft of fully custom luxury designed by Catalyst Design, a 25-year firm and Parade of Homes judge across Naples, Daytona & Southwest Florida. Built to one standard with a collaboration with a boutique custom home builder, DaVinci Development, the highest one. 5 bed | 5 bath | office | media room | studio/gym | 3-car garage | pool | rooftop terrace. Step inside to soaring 12-ft ceilings on the first floor and 10-ft ceilings above, Level 5 drywall throughout, and real European oak engineered hardwood flowing through every common area. PGT impact windows and doors flood every room with natural light. Oak stairs and a custom railing corridor set the tone for the craftsmanship found at every turn. Smart home ready with full low-voltage wiring and two tankless gas water heaters built in. The chef's kitchen is built for serious cooking: Thermador 48" natural gas range, Thermador 48" integrated refrigerator and freezer, Asko dishwasher, 42" European cabinetry, and Taj Mahal quartzite countertops — a showpiece that performs as well as it presents. The primary suite is a private world — hand-stained solid European cabinetry, mitered-edge porcelain tile, frameless glass shower with dual showerheads and handheld, freestanding soaking tub, and a generous walk-in closet. Every bathroom holds the same uncompromising finish: full porcelain, bespoke cabinetry throughout. The dedicated media room, private office, and studio/gym ensure every dimension of modern life has its own space. Outside, the rooftop terrace with a covered balcony and full summer kitchen is a rare feature in this market. The private pool anchors a lush, oversized Zoysia backyard, fully sodded and professionally landscaped with an automatic sprinkler system — a true resort retreat behind your own walls. Set in the Lake Mary / Heathrow corridor — Florida's #1 public school district, multiple world-class golf courses including Heathrow Country Club, Legacy Club at Alaqua Lakes & Timacuan, Wekiva Springs minutes away, theme parks under 30 min, beaches under 1 hr, two international airports within 35 min. Schedule your private showing today.

1351 Via Markham Court, Lake Mary

$284,999

3 Beds ⋅ 2 Baths ⋅ Crystal Lake Winter Homes SubDv. ⋅ 32746 Zip Code

Virtually Staged. Located just moments from downtown Lake Mary, this single-story home offers an exceptional opportunity in a highly desirable area. Featuring three bedrooms and two bathrooms, the property provides a spacious layout with over 1,400 square feet of living space. Enjoy the convenience of being close to local restaurants, boutique shops, and the popular Saturday farmer’s market. Situated on a fenced lot with driveway parking, this home is ideal for buyers looking to renovate, invest, or create a personalized space in a prime location close to major roadways and everyday amenities.

170 W Crystal Lake Avenue, Lake Mary

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Homes with No HOA for Sale in 32746 Lake Mary

32746 has roughly 10 to 20 active homes with no HOA on the market at any given time. They run from $284,999 to $7,095,000, with a median around $789,999. The typical one is about 3,000 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.

32746 homes with no HOA at a glance

Active listings	roughly 10 to 20
Median list price	$789,999
Price range	$284,999 to $7,095,000
Median size	3,000 sq ft
Median bedrooms	4
Median year built	1981
Median days on market	65

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	11	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.

32746 homes with no HOA by price range

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

What to check before you write an offer

What no-HOA actually means for insurance and exterior upkeep
Deed restrictions can still exist without an HOA
Resale considerations
How to verify there is no association before writing an offer

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 with no HOA are for sale in 32746?

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 homes with no HOA cost in 32746?

The median list price is around $789,999, with the range running $284,999 to $7,095,000.

Does no HOA mean there are no rules at all?

No. A property can be free of an HOA and still carry deed restrictions recorded against the plat, and city or county code still applies. Always read the recorded restrictions before assuming.

Can you show me homes with no HOA in 32746?

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