32817 Zip Code FL Real Estate, Homes with No HOA Fee for Sale

Browse All 32817 Zip Code FL Properties with No HOA Fee for Sale

4 Beds ⋅ 2 Baths ⋅ Valencia Grove SubDv. ⋅ 32817 Zip Code

Welcome to 3731 Valencia Grove Lane! This spacious 4-bedroom, 2-bath home offers a flexible floor plan along with an additional rear area currently configured as a mother-in-law suite with its own kitchenette and full bathroom. Whether you need additional living space, room for extended family, a home office, or simply more flexibility, this property offers plenty of possibilities. The main residence is ready for a new owner to bring their own style and finishing touches. With generous living space, four bedrooms, and a versatile layout, the home provides an excellent opportunity to personalize and improve over time. Location is another major advantage. Enjoy convenient access to UCF, SR 417, shopping, restaurants, employment centers, and major Central Florida roadways while still coming home to an established residential setting. If you've been searching for a home with extra space, a flexible floor plan, a convenient UCF-area location, and the opportunity to make it your own, 3731 Valencia Grove Lane is well worth a look. Bring your ideas and imagine the possibilities!

3731 Valencia Grove Lane, Orlando

$299,900

3 Beds ⋅ 1 Baths ⋅ Royal Estates SubDv. ⋅ 32817 Zip Code

Welcome home! Move right on in this completely updated and renovated solid concrete block home in east Orlando. There’s NO Homeowner’s Association here which means there’s ZERO monthly HOA fees to pay. The light and bright eat-in kitchen has been renovated in 2025 and features newer stainless steel appliances, newer cabinetry with soft-close drawers, butcher block wood countertops, and brand new, never used dishwasher. Pamper yourself in the completely renovated bathroom featuring high-tech touchscreen bathroom vanity mirror with LED lighting and anti-fog technology, new vanity with dual sinks and soft-close drawers, walk-in shower with rain shower head, handheld wand, and built-in shower caddy, sliding glass shower door, and decorative porcelain floor tile. Gorgeous brand new wood-look tile flooring throughout. Cleaning will be a breeze with the all new double hung windows throughout. The windows have a transferable lifetime warranty. Freshly painted inside and out. Behind the carport, there’s a 13’ x 7’ laundry room/workshop with additional storage. Washer & dryer included! The oversized side gate opens to the backyard and rear covered porch. Enjoy a lower water bill (no sewer charges) and peace of mind with the brand new drainfield (2025) for septic and new septic tank lid. Additional features include all new doors, new ceiling fans throughout, new fixtures, recessed Wiz brand lighting that switches between yellow and bright lighting and has app capabilities, smart home Nest thermostat, all new electrical outlets and Leviton switches. Located just 4 miles to Valencia College East Campus. Just 5 miles to the University of Central Florida (UCF). Conveniently located close to major roadways including the 417 and 408. Only 15 minutes away from Downtown Orlando. Experience Orlando like a tourist with only a 30 minute drive to the theme parks and water parks. Drive 45 minutes to watch a rocket launch or set sail on a cruise ship in Port Canaveral. Only 1.5 miles to Blanchard Park for the Florida outdoor experience including hiking trails, canoeing/kayaking, fishing, basketball courts, tennis courts, playground, volleyball, picnic pavilions and more. Also nearby, Downey Park offers recreation and sports on 47 lakeside acres including a skate park, playground, splash playground, dog park, baseball fields, basketball courts, volleyball court, picnic area, and pickleball courts. Don’t let this opportunity pass you by. Call today for your private showing!

10333 Loubet Street, Orlando

$825,000

4 Beds ⋅ 2 Baths ⋅ Watermill Sec 01 SubDv. ⋅ 32817 Zip Code

Welcome to your PRIVATE LAKEFRONT RETREAT on Lake Pearl! Offering the best value currently available on Lake Pearl, this four-bedroom, two-bath home sits on approximately 1.3 acres and offers a rare combination of space, privacy, and true waterfront living in Orlando. Inside, spacious living areas, abundant natural light, and a striking floor-to-ceiling stone fireplace create an inviting atmosphere, while expansive windows and sliding glass doors bring the beauty of the lake and surrounding landscape indoors. The kitchen features custom wood cabinetry, granite countertops, stainless steel appliances, and a convenient breakfast bar overlooking the living spaces. The thoughtful split-bedroom layout provides comfortable separation between the primary suite and additional bedrooms. Outside, the Florida lifestyle truly comes to life. A screened pool and heated spa create a private oasis for relaxing or entertaining, while the spacious yard provides room to enjoy the outdoors. Follow the path to your private dock, complete with a 2020 Trex dock and boat lift, and step directly into life on Lake Pearl. The private, owner-access lake offers opportunities for boating, paddleboarding, water skiing, fishing, and simply enjoying spectacular sunsets from the water. Located in the desirable Winter Park school district and just minutes from major roadways, UCF, Downtown Orlando, and Park Avenue, this property offers the best of both worlds: a peaceful lakefront setting with convenient access to everything Central Florida has to offer .An optional HOA membership provides access to additional community amenities, including a park, playground, and tennis/pickleball courts. Rarely does a property combine this much LAND, WATERFRONT, and LIFESTYLE in such a convenient Orlando location. Come experience Lake Pearl living for yourself.

4512 Bridgewater Drive, Orlando

$454,900

4 Beds ⋅ 2 Baths ⋅ Watermill Sec 01 SubDv. ⋅ 32817 Zip Code

Beautifully maintained 4-bedroom, 2-bath home with ALMOST 1/2 ACRE OF LAND, on a cul-de-sac, and centrally located in East Orlando, close to Winter Park!!! Located in the well established and desirable community of Watermill, which has a very low OPTIONAL HOA and no CDD! Step inside to a spacious, open layout featuring a cozy fireplace, generous living and dining areas, and a functional kitchen with ample cabinet and counter space. The split-bedroom floor plan provides privacy for the primary suite while offering flexibility for family, guests, or a home office. The expansive, fenced backyard and screened porch offers endless possibilities with plenty of room for entertaining, gardening, play, or even a future pool. If you decide to join the HOA, you will have access to the amenities which include lakefront dock access, playground, basketball courts, & tennis/pickle ball courts. Schedule your private showing today!!

9216 Amity Court, Orlando

$405,000

3 Beds ⋅ 2 Baths ⋅ Woodsong Unit 2 SubDv. ⋅ 32817 Zip Code

Move in ready 3/2 with a screened-in pool, spacious backyard, and 2 car garage. Inside, you will find vinyl flooring throughout most of the main living areas and bedrooms, a kitchen with granite countertops and stainless steel appliances, and neutral finishes that make the home feel bright and inviting. Conveniently located near shopping, dining, and major roadways. Easy to show!

9359 Toby Lane, Orlando

$485,000

4 Beds ⋅ 2 Baths ⋅ University Shores SubDv. ⋅ 32817 Zip Code

Beautifully remodeled 4-bed, 2-bath pool home with 2-car garage an in the sought-after Winter Park school district! This open-concept layout features a brand-new kitchen with wood cabinets, soft-close drawers, quartz countertops, stainless steel appliances, and a large island. Spacious primary suite with walk-in closet, den flex space, and walk-in shower. Split-bedroom plan offers privacy, while energy-efficient upgrades include solar tubes and LED lighting. Major updates: roof (2019), AC (2023), and New tile flooring throughout. Sitting on 2,650 sq ft, utility room, and covered back porch, the home also boasts a large backyard with a pool—perfect for entertaining—plus a storage shed. No HOA and ideally located near SR 50, 417, and 408—just minutes to Downtown Orlando, Winter Park, the airport, and top colleges. Currently operating rented short term—showings by appointment only. Don’t miss this move-in-ready gem! SEE 3D Virtual Tour Link Attached!

8622 Baylor Circle, Orlando

Start Your Search

32817 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 $335,000 to $500,000, with a median around $442,500. The typical one is about 1,657 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.

32817 homes with no HOA at a glance

Active listings	a handful
Median list price	$442,500
Price range	$335,000 to $500,000
Median size	1,657 sq ft
Median bedrooms	3
Median year built	1983
Median days on market	28

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	5	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	1	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.

32817 homes with no HOA by price range

$300k-$500k	5
$500k-$750k	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 32817?

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 32817?

The median list price is around $442,500, with the range running $335,000 to $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 32817?

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