32746 Zip Code FL Real Estate, Homes with No HOA Fee for Sale

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

3 Beds ⋅ 3 Baths ⋅ Greenwood Lakes Unit D-3b 2nd Add SubDv. ⋅ 32746 Zip Code

Virtually Staged. Welcome to this beautifully maintained home in the sought-after Greenwood Lakes community. Sun-filled living spaces flow seamlessly throughout, highlighted by a well-appointed kitchen, front seating room, a cozy living room with a fireplace, a dining area overlooking the lake and screened lanai—perfect for relaxing or entertaining. There is also a convenient powder room on the main level. Upstairs, a thoughtful split layout offers privacy and versatility. Make a left at the top of the stairs to enter the spacious primary ensuite, which—along with the loft—enjoys its own private wing. The two additional bedrooms share a full bath on the opposite side, creating an ideal setup for family or guests. The loft provides a flexible space for a home office or can easily be enclosed to create a fourth bedroom if desired. The backyard is a true highlight, featuring an above-ground pool that may remain or be removed by the sellers at closing. Beyond the fenced area, take in peaceful views of the community greenspace and lake—a serene, west facing backdrop for morning coffee or evening unwinding. The roof was replaced in 2022, and the air conditioner was replaced in October 2025. With top-rated schools, parks, shopping, and dining just minutes away, this Lake Mary home blends comfort, convenience, and tranquil outdoor living. Schedule your private showing today!

518 Huxford Court, 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 VACANT LAND ONLY (call for details). 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

$193,900

2 Beds ⋅ 2 Baths ⋅ Hidden Village Condo SubDv. ⋅ 32746 Zip Code

Welcome to Hidden Village in the heart of Lake Mary. This spacious two-bedroom, two-bath condo features soaring vaulted ceilings, an open loft overlooking the living area, abundant natural light from the skylight, and a cozy wood-burning fireplace. The split-bedroom layout offers flexibility for guests, roommates, or a home office. Just steps from the community pool and conveniently located near shopping, restaurants, I-4, and top-rated Lake Mary amenities, this move-in-ready home combines comfort, convenience, and value

962 Newcastle Circle Unit 206, 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

$260,000

3 Beds ⋅ 2 Baths ⋅ 32746 Zip Code

Property features a 3/2 and a two-car garage. Natural light comes into the living/dining room via seven windows. Crown molding in Living/Dining with a built-in shelf, wood burning fireplace, granite counter tops. Breakfast nook with a view of big pond with fountain and a back porch. A garden tub and a shower stall in Primary Bedroom. Primary bedroom and bedroom two have walk-in closets. Community is gated and features two community pools, a spa, tennis court, fitness center, and a playground. Community is conveniently located to Seminole Wekiva Trail, Seminole Town Center Mall, a few minutes from I-4 and 417. This could be an excellent investment. It is currently occupied by a tenant, and the lease expires in June2027. The annual income is $26,400.00. Seller willing to contribute $5,000 towards buyer's closing costs. The listing price is not written on stone; therefore, it is negotiable.

143 Villa Di Este Terrace Unit 205, Lake Mary

Start Your Search

32746 has a handful of active homes with no HOA on the market at any given time, so inventory here is thin and moves quickly. They run from $170,000 to $2,695,000, with a median around $207,450. The typical one is about 1,360 square feet with 2 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	a handful
Median list price	$207,450
Price range	$170,000 to $2,695,000
Median size	1,360 sq ft
Median bedrooms	2
Median year built	2000
Median days on market	82

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	6	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	5
$1M+	1

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 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 with no HOA cost in 32746?

The median list price is around $207,450, with the range running $170,000 to $2,695,000.

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.