32771 Zip Code FL Real Estate, Homes with No HOA Fee for Sale

Browse All 32771 Zip Code FL Properties with No HOA Fee for Sale

2 Beds ⋅ 3 Baths ⋅ Gateway At Riverwalk A Condo Third Amd SubDv. ⋅ 32771 Zip Code

Lakeside luxury meets downtown convenience! Welcome home to Unit #413 in the highly desirable Gateway at Riverwalk, a premier mid-rise community overlooking beautiful Lake Monroe and the Marina. This beautiful two bedroom, two bathroom residence offers a functional open floor plan designed for effortless modern living, comfort, and peace of mind. A standout in 2026 is the upgraded "PGT" completed replacement of all the Windows and Sliding Glass Doors. Providing enhanced energy efficiency, security, and storm protection. The home also features a Brand New Stainless Steel Dishwasher 2026 and Newly Screened Front Porch 2026 and a New Water Heater 2019. The Cabinets in the kitchen have Sliding Shelving and plenty of Cabinet space with a beautiful Granite Countertop. Residents also enjoy an impressive array of community amenities, including a fitness center, gorgeous lakeside sundeck, and an upscale clubhouse available to reserve for private events and parties for a low fee. The 4th of July Fireworks is a spectacular event Having both areas to view! The property offers exceptional value with the HOA including: Spectrum high-speed internet with many streaming channels included! Cable, water, sewer, trash, pest control, landscaping, and a dedicated personal parking space. The community also maintains and services the rooftop air-conditioning for each unit once a year. Living at Gateway puts the best of Sanford right at your doorstep. Walk or bike along the scenic Riverwalk, or explore the historic downtown Sanford district, local boutiques, restaurants and many incredible fairs and parades. This is a wonderful opportunity to enjoy the lakeside and the marina living with the convenience of downtown Sanford just moments away! Call us for your next showing and lets find you Dream home!

225 W Seminole Boulevard Unit 413, Sanford

$339,900

2 Beds ⋅ 2 Baths ⋅ Mayfair Villas SubDv. ⋅ 32771 Zip Code

Virtually Staged. This move-in-ready 2-bedroom, 2-bath home offers an updated kitchen with granite and stainless steel appliances, bamboo flooring, and a surprisingly wonderful backyard that gives the property much more outdoor living space than you might expect. The fully fenced yard (one of the largest in the community) features mature banana plants, colorful tropical landscaping, a wide lawn, a swing set, storage shed, and a flagstone paver area. An air-conditioned Florida room and covered outdoor seating area make the backyard even more usable year-round. Inside, the remodeled kitchen features undermount lighting that adds both warmth and function, making it an especially inviting place to cook and gather. Major updates include a 2020 ROOF, updated AC and water heater, a full re-pipe, double-pane windows, and remodeled kitchen and baths. A Generac WHOLE HOUSE GENERATOR provides added peace of mind during storm season. A paver driveway and attached 2-car garage with a screen complete the property. Located in Mayfair Villas, directly across from Mayfair Golf & Country Club, the property is part of one of Sanford’s more distinctive communities. The homes are detached, single-family-style residences, while the association structure provides the convenience of INCLUDED LAWN CARE. The property also qualifies for conventional, FHA, and VA financing. You’re just minutes from Lake Mary, Seminole Square, AdventHealth, grocery shopping, I-4 and 417, with Historic Downtown Sanford approximately 15 minutes away.

145 Mayfair Court Unit 145, Sanford

$220,000

3 Beds ⋅ 2 Baths ⋅ Twenty West SubDv. ⋅ 32771 Zip Code

Unlock the potential of this 3 bedroom, 1.5 bath fixer upper featuring spacious family room and a versatile bonus room perfect for a home office, playroom or additional living space. This home is conveniently located just minutes from Sanford's Riverwalk, historic downtown, shopping, restaurants, and entertainment. Whether you're an investor or buyer looking to create your dream home, this property offers endless possibilities in a sought-after location. Bring your vision and make this home your home! Home sold as is.

2222 Hartwell Avenue, Sanford

$384,900

3 Beds ⋅ 2 Baths ⋅ Kaywood Rep SubDv. ⋅ 32771 Zip Code

Take me home! New Price. Don't miss out on this lovely 3 bed 2 bath block home just minutes to Interstate 4, downtown Lake Mary and Colonial Townpark. You'll love the quarter acre lot with no rear neighbors and no HOA. The seller just completed some nice updates including a brand New Roof(2026) , new kitchen cabinets with granite countertops, brand new smart stainless appliances, new vanities in both bathrooms and new tile floors in the main living area. The bedrooms also have low maintenance tile floors. Enjoy your morning drink or evening meal in the rear Florida room with an abundance of windows and AC. The garage is oversized for plenty of extra storage. Call today. This won't last long.

104 Quail Ridge Court, Sanford

$469,900

4 Beds ⋅ 3 Baths ⋅ Forest Cove SubDv. ⋅ 32771 Zip Code

This move-in ready 4-bedroom, 2.5-bathroom home is located in the desirable Forest Cove neighborhood. The interior features a spacious open floor plan that creates a seamless flow throughout the main living areas, perfect for modern living. The heart of the home is the kitchen, which has been updated with granite countertops and stainless steel appliances. Adjacent to the kitchen, the huge living area provides ample space for relaxation and entertainment, highlighted by a combination of carpet and tile flooring. For added convenience, the home includes an oversized laundry room and a primary bedroom featuring a large walk-in closet. The exterior offers a functional two-car attached garage and a fenced-in backyard, providing a private outdoor space. Situated in a prime location, this home is zoned for Seminole County schools and offers easy access to I-4, 417, and 429. Residents will enjoy being close to local beaches, popular attractions, and everything Central Florida has to . Schedule your private showing today! One or more photos in this listing have been virtually staged.

1093 Amanda Kay Circle, Sanford

$594,000

4 Beds ⋅ 3 Baths ⋅ Fort Mellon SubDv. ⋅ 32771 Zip Code

One or more photos have been VIRTUALLY STAGED. NEW PRICING ALONG WITH NEW VISIONS AND VIEWS!! This mid-century, move in ready house is special; you will feel it upon entering. A custom-built home in 1962 has unique and stunning characteristics that are not found in modern homes. Notice the marble compass rose medallion set into the tile floor while you are in the foyer. Look further and you will see the expansive sunken living room with the floor to ceiling slate wood-burning fireplace and 12’ insulated sliding doors offering a fantastic view of the screened lanai and beautiful backyard. The living room is open to the dining room that features the original wood floor, chair rail, a wrought iron railing and a 6’ insulated sliding doors to the lanai. The kitchen has the original hardwood cabinets and vented hood, breakfast bar, updated stainless-steel appliances, disposal and electric cook-top. Adjoining the kitchen is the large breakfast/morning room. Next to the kitchen, there is a large walk-in pantry and laundry room with cabinets and a folding counter. Crown molding is throughout the house which was solidly built with plaster covered walls and ceilings. Down the wide hallway there is attic access and a large linen closet. From the hallway, you will find the 4 bedrooms and 2.5 bathrooms. The primary bedroom boasts two walk-in closets and an en-suite bathroom. Relax or entertain on the 28’ screened lanai, with 6” foam insulated roof, 3 ceiling fans and wood-grain porcelain tile floors. The oversized garage is something special too! Details include an epoxy floor, attic stairs to the attic with wood flooring, service doors at the front and rear, and a surprise utility/workshop/hobby room with mini-split A/C and sink or washer/dryer hook-ups. The exterior includes a motor court design circular drive, front porch with slate floor and wood ceiling, almost a 1/2 acre featuring mature landscaping and several concrete patios for entertaining. The large rear yard with alley access is fully enclosed by an ivy- covered block wall and PVC fencing. The yard includes a fountain, shed with electricity and a stately live oak. There is no HOA, so bring your boat or RV and park it on the north side pad with a 50-amp electric outlet. Other features include a shingle roof (2018), ductwork and HVAC with 2 stage heat pump (2018), a whole house backup generator and two large propane tanks (2022), new microwave (2025), dishwasher (2025), water line from the street to the house replaced (2022), Safetouch cameras and sensors, and an artesian well-fed sprinkler system. The house has CAT 5 cable connecting three routers with wifi. The current owner is also including plywood that has been cut to fit the windows but was never actually used/attached to them. During hurricane Ian, the current owners experienced zero flooding despite the close proximity to Lake Monroe. The generator, trees and A/C are all inspected and maintained annually. Located in the golf cart zone, this house is only four blocks to Lake Monroe and Sanford’s Riverwalk, and less than a mile to the thriving historic downtown. Sanford is the largest city in Seminole County, but you will feel like you’re living in a small town. Schedule your showing now, this beauty won't last long!!

421 Elliott Avenue, Sanford

$315,000

3 Beds ⋅ 2 Baths ⋅ Elnora Square Amd SubDv. ⋅ 32771 Zip Code

Under Construction. Welcome to this beautifully crafted new construction home offering 3 bedrooms and 2 full bathrooms, thoughtfully designed with modern style and everyday comfort in mind. The open-concept floor plan is filled with abundant natural light and enhanced by luxury vinyl plank flooring, creating a bright and inviting atmosphere throughout. The spacious kitchen seamlessly overlooks the living area and features elegant cabinetry, quartz countertops, stainless steel appliances, and contemporary finishes—perfect for both entertaining and daily living. The private primary suite provides a relaxing retreat, complete with an en-suite bathroom featuring a tub/shower combination and a generously sized walk-in closet. Additional highlights include a dedicated laundry room, recessed lighting, ceiling fans, and a one-car garage. Best of all, enjoy the freedom of NO HOA, giving you added flexibility and peace of mind. Combining modern finishes, functional design, and exceptional value, this home is a must-see. Schedule your private showing today! - Exterior photo is a rendering, other photos are of the same model but arranged on the opposite side.

1704 W 15th Street, Sanford

$259,900

3 Beds ⋅ 3 Baths ⋅ Flagship Park A Condo SubDv. ⋅ 32771 Zip Code

Sanford 3 Bedroom, 2.5 Bath Townhome with 2-Car Garage Don't miss this well-maintained 3-bedroom, 2.5-bath condominium that looks like a townhome in Sanford, conveniently located near SR 46. Currently tenant-occupied, the property is expected to be available for move-in by the time of closing. The spacious floor plan features a living room, dining area, and kitchen on the main level, with all three bedrooms located upstairs for added privacy. A rare 2-car garage provides ample parking and storage. Residents enjoy access to a community pool and beautifully maintained common areas. The location offers quick access to Interstate 4, SR 417, and SR 429, making commuting to Orlando, nearby attractions, shopping, dining, and entertainment fast and convenient. Priced to sell—schedule your showing today and see everything this exceptional townhome has to offer!

3221 San Jacinto Circle Unit 3221, Sanford

$410,000

3 Beds ⋅ 1 Baths ⋅ Smiths M M SubDv. ⋅ 32771 Zip Code

Virtually Staged. Exceptional opportunity to own a double commercial lot in the heart of Sanford, Florida! Located at 3316 W 5th Street, this versatile property features a completely renovated structure currently in progress, offering the perfect canvas for investors, entrepreneurs, or business owners looking to customize their space from the ground up. The existing structure has undergone extensive renovations and can easily be converted into a professional office building, medical suite, law office, or a variety of other commercial uses — making it an ideal investment for end-users and developers alike. Strategically positioned with immediate access to SR 46, quick connectivity to Interstate 4, and just minutes from the thriving Historic Downtown Sanford corridor, this property sits in a high-visibility, high-traffic area poised for growth. Enjoy the benefits of proximity to established retail, dining, professional services, and the continued commercial expansion throughout the Sanford market. Whether you're looking to complete the renovation to your own specifications, establish a business headquarters, or add a income-producing commercial asset to your portfolio, this double lot delivers size, location, and flexibility that is rarely found at this price point. Don't miss this unique chance to secure a foothold in one of Central Florida's fastest-growing commercial corridors. Schedule your showing today! One or more photo(s) was virtually staged

3316 W 5th Street, Sanford

$350,000

2 Beds ⋅ 1 Baths ⋅ Smiths M M SubDv. ⋅ 32771 Zip Code

Virtually Staged. COMMERCIAL OPPORTUNITY just off of SR46. Discover exceptional value with this strategically located property at 3312 W 5th St, Sanford, FL. Nestled just minutes from major transportation arteries, including I-4 and State Road 46, this location offers unmatched accessibility for businesses and commuters alike. Its close proximity to downtown Sanford adds to its appeal, placing it at the heart of a vibrant, growing community with increasing demand for commercial and professional services. The property sits on a spacious lot, offering significant land value in a sought-after area. While the existing structure presents a solid foundation, its true potential lies in redevelopment—ideal for converting into a modern office building, professional suites, or a mixed-use commercial space. With Sanford’s continued growth and revitalization, this is a rare chance to invest in a high-visibility location with strong future appreciation. Don’t miss this opportunity to capitalize on location, land value, and redevelopment potential—all within easy reach of major highways and the thriving downtown district. Perfect for investors, developers, or business owners looking to establish a strategic foothold in Central Florida. One or more photo(s) was virtually staged

3312 W 5th Street, Sanford

$409,900

3 Beds ⋅ 2 Baths ⋅ Sanford Town Of SubDv. ⋅ 32771 Zip Code

Fabulous New Custom Home Price ADJUSTMENT Features 3 Bedrooms, Two Baths, 2 Car Garage That Fits 2 Cars. High 10 Foot Ceilings with Over Sized 8' Foot Doors Throughout. Home Located in Sanford Historic District. With Golf Carts Okay. Close to Downtown and Sanford Airport. Sanford Evening Hot Spot for Night Life With 5 Mile Walk Way along Lake Monroe with fishing and a Local Zoo. Downtown features day and evening events + has active Flea Market Sat. from 10 to 3PM. Always plenty going on. City includes Large Marina, Food Spots, Block Parties and mixed events year-round. Sanford is the place to be in Seminole County. No other nearby town has all the Bells and day-night Fun Activities like Sanford. FOR BEER LOVERS ALSO HAS 5 BREWERIES FOR ALL BRANDS OF BEER. Review and make Sanford your New Home. Sanford is Growing Up and is largest local City in all Central Florida.

1115 Hickory, Sanford

$275,000

3 Beds ⋅ 2 Baths ⋅ San Lanta 2nd Sec SubDv. ⋅ 32771 Zip Code

No HOA, a 2025 roof, and a location just minutes from Historic Downtown Sanford make 804 Rosalia Drive the one to see. This 3-bedroom, 1.5-bath home offers 1,340 square feet of living space, with all three bedrooms and the full bath upstairs and the main living areas, half bath, and indoor laundry downstairs. Inside, the bright living room opens to a spacious eat-in kitchen with a built-in pantry and a countertop nook with shelving—perfect for a coffee bar, workspace, or extra storage. Tile flooring was installed throughout the downstairs in 2022, and there is no carpet anywhere in the home. Windows were replaced in 2024. One of the highlights is the outdoor space. A sliding glass door, replaced in 2024, leads to the new screened porch overlooking the fenced backyard, where butterfly-friendly plantings and a fire-pit area create plenty of room to relax, entertain, or simply enjoy being outside. Upstairs, the three bedrooms offer flexibility for sleeping space, a home office, guest room, or whatever best fits your needs. When you’re ready to head out, Historic Downtown Sanford is just minutes away, with its restaurants, breweries, shops, waterfront parks, and year-round community events. With no HOA, important updates already completed, and inviting indoor and outdoor spaces, 804 Rosalia Drive offers a lot to appreciate. Schedule your showing today and come see it in person.

804 Rosalia Drive, Sanford

$389,900

2 Beds ⋅ 3 Baths ⋅ Gateway At Riverwalk A Condo Third Amd SubDv. ⋅ 32771 Zip Code

Welcome to the rare opportunity to live in the beautiful Gateway at Riverwalk, overlooking Lake Monroe and the Marina in the historic downtown Sanford. Gorgeous third floor expansive views from living room, kitchen and primary bedroom! Expansive kitchen has an abundance of dark wood cabinetry with crown molding, granite countertops, stainless steel appliances and a large breakfast bar. Living Room, Dining Room and bedrooms have beautiful wide plank engineered wood flooring, with all wet areas feature large neutral ceramic tile. Large screened patio can be accessed from the living room and the primary bedroom. Another screened porch at the front entry of the home. New hurricane rated windows to be installed week of 2/16/26. Community offers club house and fitness facility. HOA includes exterior maintenance, structural insurance, water, sewer, trash, cable, internet and streaming services.

225 W Seminole Boulevard Unit 308, Sanford

$329,990

2 Beds ⋅ 2 Baths ⋅ Pinehurst SubDv. ⋅ 32771 Zip Code

Two for 1. Building available for granny flat. Granny can live on property and watch her grandkids grow up. College student can have an independent space and still be near family. No other property offers this opportunity. Fully renovated and updated main house, 2 master suites. Luxurious kitchen and great room. Porch, patio and outside space for entertaining.

2010 S Maple Avenue, Sanford

$435,000

4 Beds ⋅ 3 Baths ⋅ Preserve At Lake Monroe SubDv. ⋅ 32771 Zip Code

Welcome to 115 Walnut Crest Run, a spacious, sun-drenched sanctuary that feels like the kind of place you never want to leave. This 4-bedroom, 2.5-bath single-family stunner was crafted in 2005, but its timeless appeal and meticulous design are just as impressive today. With over 2,400 square feet of heated living space and more than 3,000 square feet total, every inch of this home is made to elevate your lifestyle. Step through the front door and feel how the space just opens up, a single-story layout that flows effortlessly, with each room inviting you to stay a little longer. The open-plan living and dining areas provide both warmth and versatility, ideal for hosting everything from game nights to elegant dinner parties. The kitchen? It’s the heart of the home, expansive, practical, and perfectly placed. Whether you're making Sunday pancakes or prepping for a holiday feast, there's space for everyone to gather around. The flooring offers a mix of soft carpet underfoot for those cozy lounging areas and sleek laminate in the high-traffic zones, the perfect blend of comfort and durability. Natural light spills in from every angle, especially through the sliding doors that connect the inside with the outdoors. The home's architectural style leans traditional, but there’s nothing ordinary about it, this is a place that balances character with clean lines and modern livability. Let’s talk about the primary suite, your private retreat. Located on the first floor (because who wants to trek upstairs at the end of a long day?), it features a large walk-in closet and an en-suite bath that’s just waiting to be transformed into your personal spa. The remaining three bedrooms, also on the first floor, are generously sized, each with built-in closets, offering ideal setups for guest rooms or even that work-from-home sanctuary you’ve been dreaming of. The attached two-car garage gives you both storage and convenience, while the sturdy concrete block and stucco exterior ensures this home is built to last. Add in the shingle roof, and you’ve got peace of mind that this house doesn’t just look good, it holds strong. Tucked away on a quiet street, this home offers a calm, grounded vibe. Whether you’re upsizing, downsizing, or just ready for a fresh start, 115 Walnut Crest Run delivers space, style, and substance in all the right ways. If you’ve been waiting for the one, this might just be it. Welcome home.

115 Walnut Crest Run, Sanford

Start Your Search

32771 has roughly 10 to 20 active homes with no HOA on the market at any given time. They run from $250,000 to $599,000, with a median around $402,400. The typical one is about 1,619 square feet with 3 bedrooms. The list below is pulled live from the MLS, so it is current even when this write-up is not.

32771 homes with no HOA at a glance

Active listings	roughly 10 to 20
Median list price	$402,400
Price range	$250,000 to $599,000
Median size	1,619 sq ft
Median bedrooms	3
Median year built	1994
Median days on market	33

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	14	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.

32771 homes with no HOA by price range

under $300k	2
$300k-$500k	10
$500k-$750k	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 32771?

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 32771?

The median list price is around $402,400, with the range running $250,000 to $599,000.

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 32771?

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