Browse All 32766 Zip Code FL Properties with No HOA Fee for Sale

3 Beds ⋅ 1 Baths ⋅ North Chuluota SubDv. ⋅ 32766 Zip Code

Great opportunity for investors or buyers looking to renovate and make this Chuluota home their own! Situated on a spacious corner lot with mature trees and plenty of outdoor space, this single story home features a covered carport, bright living areas, an enclosed porch, and a functional floor plan. Enjoy the peaceful, small town atmosphere of Chuluota while remaining conveniently located near Oviedo, UCF, shopping, dining, and outdoor recreation at nearby Lake Mills Park and the Little Big Econ State Forest. A wonderful opportunity to create your dream home or next investment property.

400 E 5th Street, Chuluota

$489,900

3 Beds ⋅ 2 Baths ⋅ North Chuluota SubDv. ⋅ 32766 Zip Code

Virtually Staged. Brand new home in Chuluota with no HOA! This 3-bedroom, 2-bath home offers 1,500 square feet of thoughtfully designed living space on an oversized lot. The seller is offering up to $15,000 in CONCESSIONS toward buyer's closing costs along with a 5-YEAR HOME WARRANTY and a security system providing added value and peace of mind from day one. Inside, the open floor plan features vaulted ceilings, LVP flooring, and plenty of natural light. The kitchen features quartz countertops, an island with bar seating, and an open layout that flows seamlessly into the main living area. Ceiling fans in every room, indoor laundry, and a 2-car garage add everyday convenience. Out back, enjoy a covered patio overlooking the spacious yard with plenty of room to make it your own. Zoned for A-rated Seminole County schools and conveniently located near Lake Mills Park, parks, shopping, dining, and major roadways. Schedule your tour today!

922 S County Road 419, Chuluota

$649,999

4 Beds ⋅ 2 Baths ⋅ Chuluota SubDv. ⋅ 32766 Zip Code

Assumable loan with remaining mortgage principle at 2.25% available. Located in the peaceful, highly sought-after rural setting in Chuluota. Beautifully maintained, spacious 4-bedroom, 2-bath pool home that offers exceptional versatility and a thoughtful design. Has a custom eat-in kitchen with granite counters and stainless appliances along with a separate formal dining room. The home features ceramic flooring throughout the main living areas and cathedral ceilings throughout the floor plan. The master bedroom includes two large, extended his/her walk-in closets designed for added storage and convenience with the master bath having a standup shower along with separate jetted tub for relaxation. Enclosed swimming pool with large entertaining patio area surrounded by mature landscaping and large fire pit in the backyard. Large circular driveway that leads to the garage/shop and sidewalks that wraparound the entire house. Enough room to store your RV and/or boat. Additional detached one-car garage (441 square feet) that includes an air-conditioned loft above the garage with separate entrance which offers a rare and highly functional space large enough to accommodate a vehicle and ideal for hobbies, storage, or a professional workspace while adding value to the property. Outdoor living is enhanced by natural surroundings and nearby Lake Mills Park with community trails that bring a peaceful, nature-rich lifestyle, all while maintaining convenience close to Oviedo’s amenities. No HOA's! Don’t miss out and schedule your private showing today.

1255 2nd Avenue, Chuluota

$395,000

3 Beds ⋅ 2 Baths ⋅ Lake Mills Shores SubDv. ⋅ 32766 Zip Code

Virtually Staged. Welcome to this Charming 3-Bedroom, 2-Bath Home in Desirable Seminole County! Step inside and fall in love with this inviting home, featuring a desirable split-bedroom floor plan and open-concept layout designed for comfortable living and effortless entertaining. The beautiful updated kitchen showcases shaker cabinets, quartz countertops, and a fresh modern feel. The entire home has been freshly painted in a neutral color, creating a warm backdrop that compliments any decor. Enjoy relaxing mornings or entertaining guests in the large covered lanai, offering peaceful views of the backyard with glimpses of scenic Lake Mills, ideally located just 3 minutes away from Lake Mills. Neighborhood has deeded access to Lake Mills. This property offers the perfect blend of convenience and a relaxed Florida lifestyle. Zoned for A-rated Seminole county schools, with no HOA, you'll have the freedom to bring your RV, boat or trailer, A backyard storage shed is also included, providing additional space for your tools, equipment, and storage needs. With its beautiful updates, desirable location, and flexible outdoor space, this is a must-see home you won't want to miss!

821 Nocturne Drive, Chuluota

$550,000

6 Beds ⋅ 3 Baths ⋅ North Chuluota SubDv. ⋅ 32766 Zip Code

Your opportunity to acquire a fully operational Assisted Living Facility (ALF) in Seminole County. This ALF has been designed to provide residents with the comfort, dignity, and quality of life families seek for their loved ones. The home is priced at $550,000 and the business is available for an additional $150,000. The property has been fully converted and has extensive improvements, providing peace of mind for an experienced operator or qualified new owner. Major property upgrades are less than five years old, including a new roof, HVAC systems, plumbing, electrical, water heater, septic system, windows, and flooring. The approximately 1/3-acre property includes a dedicated staff room, activities room, three private resident suites, and two shared resident rooms. The operational business is licensed through AHCA, with residents and staff currently in place, allowing a new owner the opportunity to step into an established operation rather than starting from the ground up. Acquisition summary and detailed pricing breakdown are available upon request, Profit & Loss statements are available with Proof of Funds. Please do not disturb the operator, potential tenants, or visit the property without a scheduled appointment.

Chuluota

$799,000

4 Beds ⋅ 4 Baths ⋅ Lake Mills Shores SubDv. ⋅ 32766 Zip Code

Don't miss this one of a kind 4 bed 4 bath Chuluota home situated on a huge corner lot with deeded access to beautiful 250 acre Lake Mills!! This home has tons of upgrades including ceramic tile downstairs, wood laminate upstairs, custom kitchen with granite counters and stainless appliances, large primary master bedroom on the first floor with huge walk in closet, sprawling 25'x25' family room with gorgeous gas fireplace for cold winter nights, large office and dining room, enormous 20'x24' loft above garage with separate entrance, additional bonus room/game room upstairs, huge 30' covered front porch, fenced back yard with covered boat parking, newer ac units, oversized garage for all the toys and much more! Oh and yes it has a new solar system installed so no more expensive power bills! Bring your golf cart, jet skis and boats! Come see this one of a kind home before its gone!

787 Fantasy Lane, Chuluota

$625,000

5 Beds ⋅ 3 Baths ⋅ North Chuluota SubDv. ⋅ 32766 Zip Code

Virtually Staged. Situated on a quiet dead-end street, this property has much to offer! With a tremendous floorplan that includes 5 BEDROOMS + an OFFICE + a BONUS ROOM, this home gives you great versatility and lots to enjoy. As you enter the foyer you can’t help but notice the high ceilings to the second story. Beautiful new luxury vinyl plank flooring throughout most of the home, including downstairs, the staircase and upstairs! On the first floor…Versatile and spacious living and dining areas. Great downstairs guest en-suite. A nice private office. Light and bright open kitchen and family room floor plan which is an expansive space that gives you a great day to day functionality or a wonderful opportunity to entertain. Upstairs is a treat for sure… A tremendous bonus room that is another great living space. The master suite is a fabulous setup with a large bedroom and a master bath that has separate vanities, a soaking tub and a large walk -in closet. You even have a plumbed wall in the master bedroom for any water feature you may want to add! There are 3 more good size bedrooms upstairs along with a separate laundry room. Then step outside to the open patio off the family room and enjoy your terrific ¼ acre fenced-in property with beautiful Tabbouleh trees along the back of the property. Other notable features – BRAND NEW ROOF – 2026, Freshly painted inside and out – 2026, 2 Updated AC Systems - 2019 & 2023 , New Hot Water Heater - 2022. All of this, and so close Publix and other shopping and restaurants!

166 W 11th Street, Chuluota

$1,439,000

5 Beds ⋅ 4 Baths ⋅ North Chuluota SubDv. ⋅ 32766 Zip Code

Experience lakefront living on beautiful Horseshoe Lake in the heart of Chuluota, where you have the most beautiful sunsets imaginable. Nestled on a sprawling waterfront homesite with direct lake access, this custom residence combines timeless craftsmanship, thoughtful updates, and breathtaking views to create a truly special retreat. From the moment you step inside, you'll be captivated by the soaring 33-foot vaulted ceilings, dramatic wall of windows, and stunning views of the lake beyond. At the center of the main living space is a striking Rumford fireplace, serving as both a focal point and gathering place while adding warmth and character to the home. Natural light fills the expansive living and dining areas, creating an inviting atmosphere for everyday living and entertaining. The updated kitchen features modern finishes and appliances while maintaining a seamless connection to the home's main living spaces and spectacular waterfront backdrop. Downstairs, a flexible bonus space offers the perfect opportunity to create a private in-law suite, complete with the potential for separate access, making it ideal for multigenerational living, long-term guests, or a home office. A quaint bonus room overlooking the lake is tucked just off the primary suite. This charming space features a unique spiral staircase providing private access from the outdoor screened enclosure, creating a seamless indoor-outdoor connection. Ideal as a serene reading room, cozy lounge, home office, or creative sanctuary, all enhanced by peaceful water views Outside, the lifestyle opportunities are endless. Enjoy boating, fishing, paddleboarding, or simply relaxing by the water from your private dock and boathouse. The finished upper level of the boathouse provides additional space for entertaining, relaxing, or taking in panoramic views of Horseshoe Lake. A detached front shed/workshop offers even more flexibility for hobbies, storage, or creative projects. This home has been extensively improved and meticulously maintained, including: • Replumbed (2020) • Interior repainted and new railings installed (2020) • New water softener and purification system (2021) • Front shed/work studio added (2021) • New upstairs air handler (2022) • Screened porch enclosure added (2023) • New sprinkler system pump (2026) • Kitchen renovation and new appliances (2023) • Two bathroom renovations (2024) • Downstairs foyer, bedroom, and bathroom retiled (2024) • Custom woodwork improvements (2024) • New roof (2024) • New carpet (2024) • Finished upper level of boathouse (2024) Offering a rare combination of lakefront living, extensive recent upgrades, flexible living spaces, and direct access to one of Seminole County's most beautiful lakes, this is a property that must be experienced in person. Only 20 minutes from UCF and 30 minutes to the airport!

240 W 7th Street, Chuluota

$725,000

7 Beds ⋅ 5 Baths ⋅ N/A SubDv. ⋅ 32766 Zip Code

Once-in-a-lifetime private compound opportunity in Chuluota, less than a mile from Lake Mills Park! Situated on 1.39 acres, gated and fully fenced with no HOA and A-5 zoning allowing for horses and/or livestock, this rare property offers 7 bedrooms, 5 bathrooms, 5,432 total living square feet, four separate living quarters, multiple permitted buildings, income potential, and a level of flexibility that almost never comes available for purchase in this area! The main residence was built in 1971 and features 3 bedrooms and 2 bathrooms, with appliances installed in 2025, flooring installed in 2023 and 2024, a bathtub replaced in 2025, a new 2025 water heater, almost all windows replaced between 2020 and 2022, a 2015 roof, generator hookup, 2025/2026 paint, 2026 landscaping, and 2026 fence rehab and treatment. Connected to the main house by a long covered walkway is a separate building that includes two additional private living quarters with their own separate entrances and no interior access between them. One side offers a huge living area, 2 bedrooms, 1 bathroom, and a full kitchen, creating an ideal guest house, man cave, in-law suite, adult-child setup, or income-producing opportunity. The other side offers a private 1 bedroom, 1 bathroom living space with a kitchen and its own screened porch. A fourth private living quarter is located in another detached building and includes a bedroom and bathroom, with the bathroom certified as a business bathroom and handicap accessible. This space does not include a full kitchen, but adds even more flexibility for extended family, guests, office use, studio space, or other creative needs. Beyond the living quarters, the property includes a permitted 2024 building of approximately 450 square feet with a roll-up door and high ceilings, making it perfect for boat parking, equipment, storage, workshop space, or future possibilities. Toward the rear of the property is another large building, constructed and permitted in 2017, currently used as office, workshop, and utility space. For the savvy business owner who wants office or work space right outside the front door, this setup is incredibly compelling. The property is supported by 3 septic tanks, 1 well, and 3 electric meters, giving the compound-style layout practical infrastructure to match its rare flexibility. Whether you are looking for a multi-generational family estate, a private rural retreat, income potential, space for horses or livestock, room for boats and equipment, or simply a property with separation, privacy, and options, this one stands apart. Located about one mile from Lake Mills Park, a 50-acre Seminole County park with free public access, a public boat launch, fishing pier, picnic pavilions, playground, campground, and recreational access to Lake Mills. Enjoy a peaceful Chuluota setting while still being near Oviedo, UCF, major roadways, shopping, dining, and highly regarded Seminole County schools including Walker Elementary, Lawton Chiles Middle, and Hagerty High School. Properties like this rarely come available. Four private living quarters, 1.39 acres, no HOA, A-5 zoning, multiple outbuildings, income potential, business/workshop flexibility, and proximity to Lake Mills Park all combine to create a truly unique opportunity.

2036 Lake View Avenue, Chuluota

$1,299,700

4 Beds ⋅ 3 Baths ⋅ Curryville Estates 5 Acre Dev 20 Parcels SubDv. ⋅ 32766 Zip Code

Discover a truly unique opportunity to own 20 private acres off Lake Mills Rd, surrounded by high-end estate homes. This exceptional property offers the perfect blend of space, privacy, and versatility—with no HOA restrictions. The existing home features 4 bedrooms and 2.5 bathrooms, highlighted by an open floor plan with a sunken living room, formal dining area, separate dinette, and a spacious kitchen with an island. The family room showcases decorative wood beams, adding warmth and character, while the large screened, covered patio provides the perfect place to relax and enjoy the peaceful surroundings. The primary suite includes a walk-in closet, dual sinks, and a walk-in shower for added comfort. Outside, the property is fully equipped for country living and recreation, featuring: Pole barn Multiple storage buildings Additional barn Mature trees and lush greenery A natural creek running through the land and lots of trails for ATV's or 4 wheelers With abundant wildlife and wide-open space, this property is ideal for those seeking privacy, outdoor adventure, or a place to create their dream estate. Bring your horses, RVs, boats, ATVs, and more—there’s room for it all.

2260 Panorama Drive, Chuluota

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Homes with No HOA for Sale in 32766 Chuluota

32766 has roughly 10 to 20 active homes with no HOA on the market at any given time. They run from $214,900 to $1,439,000, with a median around $637,499. The typical one is about 2,355 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.

32766 homes with no HOA at a glance

Active listings	roughly 10 to 20
Median list price	$637,499
Price range	$214,900 to $1,439,000
Median size	2,355 sq ft
Median bedrooms	4
Median year built	1987
Median days on market	68

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	10	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.

32766 homes with no HOA by price range

under $300k	1
$300k-$500k	2
$500k-$750k	4
$750k-$1M	1
$1M+	2

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 32766?

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 32766?

The median list price is around $637,499, with the range running $214,900 to $1,439,000.

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 32766?

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