32766 Zip Code FL Real Estate, Homes with No HOA Fee for Sale

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

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. 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

$3,500,000

6 Beds ⋅ 8 Baths ⋅ N/A SubDv. ⋅ 32766 Zip Code

Virtually Staged. A PRIVATE LAKEFRONT ESTATE ON PRISTINE LAKE MILLS. Hidden beyond a winding 700-foot gated drive, this extraordinary property offers a compelling combination of privacy, acreage and direct lakefront living on the crystal-clear, spring-fed waters of Lake Mills, one of Central Florida's premier private recreational ski lakes. Set along the shoreline of Lake Mills, the property encompasses approximately 7.09 total acres, with the parcel boundary continuing beyond the shoreline into the lake. A survey illustrating the full property boundaries is available for review. Designed to embrace its remarkable setting, the custom residence captures panoramic water views while offering the scale and flexibility for both everyday living and memorable entertaining. Inside, soaring 24-foot coffered ceilings, stacked-stone architectural details and rich pecan wood flooring create a striking sense of arrival. The expansive family room with stone fireplace opens to the lakefront setting, while a formal dining room and private office provide beautifully defined spaces. The chef's kitchen features imported Taj Mahal stone, custom cabinetry, flush built-in refrigeration, dual ovens and sinks, and a generous center island positioned to take advantage of the waterfront views. Oversized en-suite bedrooms provide exceptional privacy, including a first-floor primary suite overlooking the lake. An additional bedroom and full bath on the main level offer ideal accommodations for guests or multigenerational living. Outside, the lifestyle takes center stage. Expansive covered entertaining areas and a summer kitchen overlook the grounds and lake, while a gazebo and 100+ foot dock with a 23+ foot boat lift and dual jet ski lifts provide effortless access to boating, water skiing, wakeboarding, paddleboarding and fishing. Adding another dimension to the property is the substantial detached barn and recreation building. Currently configured for equestrian use with four stalls and four paddocks/pastures, its scale and infrastructure create tremendous flexibility for the next owner—whether envisioned for continued equestrian use, collector car space, a golf simulator and sports lounge, fitness studio, executive workspace, workshop or recreation retreat. Poured-concrete construction, spray foam insulation and climate-controlled areas provide an exceptional foundation for a variety of uses. Buyers with specific acreage, pasture or equestrian requirements are encouraged to review the survey and independently verify the property's suitability for their intended use. Recent improvements include a brand-new slate roof (2026) along with hurricane-rated double-pane windows and doors (2023). Convenient to Oviedo, UCF, major expressways, Downtown Orlando and Orlando International Airport, the property offers an unusual sense of privacy while remaining connected to Central Florida's dining, entertainment and recreation. For the buyer seeking more than a luxury home, 746 Lake Mills Road offers a distinctive combination of private lakefront living, an impressive custom residence, existing equestrian amenities, recreation and privacy in a setting that is increasingly difficult to find.

746 Lake Mills Road, Oviedo

$4,500,000

6 Beds ⋅ 8 Baths ⋅ N/A SubDv. ⋅ 32766 Zip Code

Virtually Staged. A REMARKABLE PRIVATE LAKEFRONT ESTATE ON PRISTINE LAKE MILLS. Offering a combination of privacy, waterfront, acreage and versatility that is increasingly difficult to find in Central Florida, this extraordinary property brings together a custom lakefront residence and adjoining vacant lakefront parcel with approximately 296 feet of combined frontage on Lake Mills. Set along the shoreline of Lake Mills, the two contiguous parcels encompass approximately 15.06 total acres, with the parcel boundaries continuing beyond the shoreline into the lake. Surveys illustrating the full property boundaries are available for review. Hidden beyond a winding 700-foot gated drive, the custom residence and existing improvements are situated on the approximately 7.09-acre lakefront homesite, while the adjoining approximately 7.97-acre vacant lakefront parcel adds approximately 152 feet of waterfront and another dimension to the property. Together, the two parcels provide exceptional separation from neighboring properties and the flexibility to preserve the setting, enjoy the estate as it exists today, or explore future possibilities subject to applicable zoning and approvals. The custom residence was designed around its spectacular lakefront setting, with panoramic water views, soaring 24-foot coffered ceilings, stacked-stone architectural details and rich pecan wood flooring. An expansive family room with stone fireplace, formal dining room and private office complement a chef's kitchen featuring imported Taj Mahal stone, custom cabinetry, flush built-in refrigeration, dual ovens and sinks, and an oversized center island overlooking the water. The first floor primary suite enjoys unobstructed lake views, while an additional main-level bedroom and full bath provide flexibility for guests or multigenerational living. Generously proportioned en-suite bedrooms offer privacy throughout the residence. Outdoor living is equally compelling. Expansive covered entertaining spaces and a summer kitchen overlook the grounds and lake, complemented by a gazebo and 100+ foot dock with a 23+ foot boat lift and dual jet ski lifts. From boating and water skiing to wakeboarding, paddleboarding and fishing, Lake Mills becomes an extension of the property itself. A substantial detached barn and recreation building adds another layer of versatility. Currently configured for equestrian use with four stalls and four paddocks/pastures, its poured-concrete construction, spray foam insulation, climate-controlled areas and existing infrastructure lend themselves to numerous possibilities—from continued equestrian use or collector car space to a golf simulator and sports lounge, fitness studio, executive workspace, workshop or private recreation retreat. Buyers with specific acreage, pasture or equestrian requirements are encouraged to review both surveys and independently verify the property's suitability for their intended use. Recent improvements include a brand-new slate roof (2026) and hurricane-rated double-pane windows and doors (2023). Convenient to Oviedo, UCF, major expressways, Downtown Orlando and Orlando International Airport, the estate feels remarkably removed while remaining connected to Central Florida. For the buyer seeking privacy, recreational lakefront, an impressive custom residence, existing equestrian amenities and the added dimension of an adjoining lakefront parcel, this is an offering that would be exceptionally difficult to replicate.

Lake Mills Road, Oviedo

Start Your Search

32766 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 $3,500,000 to $3,500,000, with a median around $3,500,000. The typical one is about 5,776 square feet with 6 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	a handful
Median list price	$3,500,000
Price range	$3,500,000 to $3,500,000
Median size	5,776 sq ft
Median bedrooms	6
Median year built	2005
Median days on market	95

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.

32766 homes with no HOA by price range

$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 32766?

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 32766?

The median list price is around $3,500,000, with the range running $3,500,000 to $3,500,000.

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.