Monterey FL Homes with No HOA for Sale

4 Beds ⋅ 3 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Excellent oportunity for a Primary residence or Investment property 4bedrooms and 3 bathrooms, large backyared. Convinently located. Small studio with private bathroom.

625 Romano Avenue, Orlando

$290,000

3 Beds ⋅ 1 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Stop renting and paying someone else's mortgage. Come get this wonderful starter home located in the Monterey subdivision. Ceramic tile throughout the home, 1 car carport with laundry in a utility closet, and a huge fenced rear yard. Located just off 436 with easy access to downtown or Orlando International in just 15 minutes and be out to UCF in 20. Great opportunity for a first time buyer or investor that wants a very rentable single family home in Orlando.

800 Dorado Avenue, Orlando

$365,000

4 Beds ⋅ 3 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Virtually Staged. Welcome home! This beautifully remodeled Orlando property offers style, space, and flexibility. The main home features 3 bedrooms and 2 bathrooms with a fresh, move-in-ready interior. A separate 1-bedroom, 1-bath mother-in-law suite/studio with its own private entrance provides additional flexibility for extended family, guests, or a home office. Plus, approximately 400 sq. ft. of covered patio space offers the potential for even more usable living space—with a little creativity, bringing the total potential area to approximately 1,680 sq. ft. Enjoy a spacious backyard and a convenient location near shopping, dining, major roadways, Downtown Orlando, and Orlando International Airport. A versatile property with space to make your own—must see!

606 El Vedado Avenue, Orlando

$339,900

4 Beds ⋅ 2 Baths ⋅ Pine Grove Estates SubDv. ⋅ 32807 Zip Code

Well Maintain home with 4/2 with a remodel bathrooms and kitchen, large backyard that's completely fenced in and no rear neighbors, this home is ready for a new owner! Contact me for a showing !

908 S Solandra Drive, Orlando

$399,990

3 Beds ⋅ 1 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Welcome to this charming 3-bedroom, 1-bathroom home located in Orlando, FL. This property offers a comfortable and functional layout featuring a spacious living area, kitchen, and dining space perfect for everyday living and entertaining. Enjoy the added outdoor space with a covered screened-in back patio, plus an open backyard offering additional room for relaxation, gatherings, or future possibilities. Conveniently located with easy access to shopping, dining, major roadways. No CDD and no HOA.

1318 Terre Cia Avenue, Orlando

$345,000

3 Beds ⋅ 2 Baths ⋅ Andora Sub SubDv. ⋅ 32807 Zip Code

*** Seller will contribute up to $15,000 to help - buy down interest rate, closing cost and/or down payment! *** Beautifully updated 3-bedroom plus a flex space, 2-bath home situated on a spacious lot with scenic views of Lake Monterey and direct access to nearby El Dorado Park. This move-in-ready residence offers an open and inviting floor plan featuring refinished wood flooring, updated lighting, fresh interior and exterior paint, and abundant natural light throughout. The renovated kitchen is designed for both style and functionality, showcasing quartz countertops, shaker-style cabinetry with soft-close features, tile backsplash, pantry storage, and premium appliances. Both bathrooms have been tastefully updated with modern finishes. Enjoy outdoor living from the screened patio overlooking the large backyard and tranquil water views. Additional features include a one-car garage, updated interior and exterior doors, recessed lighting, ceiling fans, and mature landscaping. Conveniently located just minutes from Downtown Orlando, Orlando International Airport, shopping, dining, major roadways, parks, and entertainment. Whether you're looking for a primary residence, vacation home, or investment opportunity, this property offers a combination of comfort, location, and modern updates.

832 Thalia Drive, Orlando

$348,000

4 Beds ⋅ 2 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Seller motivated and willing to provide a CREDIT of $12,500 for closing cost and or rate buydown!!! Welcome to this beautifully renovated 4-bedroom, 2-bathroom home in the established Azalea Park area of Orlando. Move-in ready and situated on a quiet residential street, this home offers 1,430 square feet of comfortable living space, a flexible floor plan, and extensive recent upgrades. Major improvements include a BRAND-NEW ROOF, a completely updated kitchen with new cabinets and new appliances, new flooring throughout, and fresh interior paint, giving the home a clean, bright, and modern feel. Four spacious bedrooms provide plenty of flexibility for family, guests, a home office, or additional living space. Enjoy the added benefit of NO HOA, giving you more freedom and no monthly association fees. Conveniently located just minutes from Orlando International Airport, major highways, shopping, dining, schools, and everyday essentials, this home provides easy access to everything Orlando has to offer. With a new roof, modern renovations, no HOA, and a central Orlando location, this property is an excellent opportunity for a first-time buyer, growing household, or anyone looking for a beautifully updated home that is truly move-in ready.

430 Santiago Avenue, Orlando

$497,000

3 Beds ⋅ 2 Baths ⋅ Andora Sub SubDv. ⋅ 32807 Zip Code

Great opportunity in a well-established Orlando neighborhood. This property offers a functional layout with comfortable living spaces and a spacious lot, providing plenty of room to enjoy outdoor living. Conveniently located near shopping centers, restaurants, schools, and major highways, with easy access to Downtown Orlando and Orlando International Airport. The seller will provide a one-year home warranty covering the appliances, offering additional peace of mind for the future owner. Perfect opportunity for homeowners or investors looking for a property in a central Orlando location.

821 Thalia Drive, Orlando

$349,900

4 Beds ⋅ 2 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Discover the opportunity to own a spacious 4-bedroom home in the established Azalea Park area of Orlando. Situated on a quiet residential street, this property offers over 1,500 square feet of living space and a flexible floor plan that fits a variety of lifestyles. The home features four generously sized bedrooms, two primary bathrooms, plus an additional owner-added third bathroom that adds extra convenience and functionality. Inside, the layout provides comfortable living areas filled with natural light and a welcoming atmosphere. The kitchen is highlighted by a beautiful quartz island, ample cabinetry, and a layout that flows naturally into the dining and living areas, making it ideal for everyday living or entertaining guests. Tile flooring throughout the main living spaces adds durability and easy maintenance. The additional full bathroom creates added versatility for guests, multi-generational living, or flexible use of the fourth bedroom as a private office or bonus space. Step outside to enjoy the fenced backyard offering room for outdoor entertaining, gardening, pets, or future enhancements. The property sits on an approximately 0.22-acre lot, providing plenty of space while still being easy to maintain. House is freshly painted, roof is almost 4 years old and the water heater is 1 year old. Located in a convenient Orlando location, the home offers quick access to major highways, downtown Orlando, Orlando International Airport, and the University of Central Florida. Nearby parks, shopping, dining, and everyday amenities add to the appeal of this well-positioned property. Whether you are searching for a primary residence, investment property, or a home with room to add personal touches, this property presents a great opportunity in a well-established Orlando neighborhood.

410 Santiago Avenue, Orlando

$200,000

3 Beds ⋅ 2 Baths ⋅ Replat Monterey Sub SubDv. ⋅ 32807 Zip Code

FIRE DAMAGE PROPERTY!!! HOUSE NEEDS A COMPLETE REBUILD.

403 Mercado Avenue, Orlando

$300,000

3 Beds ⋅ 2 Baths ⋅ Monterey Sub SubDv. ⋅ 32807 Zip Code

Welcome to this inviting three bedroom, 2 bathroom home situated on a quiet street in Dover Shores. Located in a desirable school zone and only a few minutes away from all the restaurants and shops that Conway has to offer. This property features a large backyard perfect for entertaining, gardening, or future additions. This home is currently leased, offering immediate income for investors seeking a turnkey opportunity. Whether you're an investor or looking ahead to future occupancy, this property combines comfort, location, and value. Schedule your private showing today!

5400 San Juan Boulevard, Orlando

$465,900

5 Beds ⋅ 3 Baths ⋅ Monterey SubDv. ⋅ 32807 Zip Code

Renovated 5BR/3BA Property with Flexible Layout – Unique Opportunity Excellent opportunity to own a renovated 5-bedroom, 3-bath property in a prime Orlando location. The home offers a flexible layout with multiple living areas, including two units with independent entrances, making it ideal for owner occupancy, multi-generational living, or rental income. Conveniently located minutes from Downtown Orlando, the airport, UCF, and major attractions such as Disney and Universal Studios. The property provides access to front and back yard areas and is surrounded by nearby lakes, including Underhill Lake. The property is fully furnished; furniture is negotiable for an additional price and is not included in the list price. Strong rental demand area with easy access to major roads, shopping, dining, and public transportation. Seller financing available

511 San Juan Boulevard, Orlando

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Monterey FL Homes with No HOA for Sale

Monterey has roughly 10 to 20 active homes with no HOA on the market at any given time. They run from $200,000 to $497,000, with a median around $346,500. The typical one is about 1,312 square feet with 3 bedrooms. The list above is pulled live from the MLS, so it is current even when this write-up is not.

Monterey homes with no HOA at a glance

Active listings	roughly 10 to 20
Median list price	$346,500
Price range	$200,000 to $497,000
Median size	1,312 sq ft
Median bedrooms	3
Median year built	1956
Median days on market	224

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	12	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.

Monterey homes with no HOA by price range

under $300k	2
$300k-$500k	10

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 Monterey?

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 Monterey?

The median list price is around $346,500, with the range running $200,000 to $497,000.

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 Monterey?

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