Quick 32809 Zip Code FL MLS Search

Browse All 32809 Zip Code FL Properties with No HOA Fee for Sale

$990,000
4 Beds 3 Baths Mandalay Shores SubDv. 32809 Zip Code
High-end upgrades and meticulous pride of ownership. Welcome to Lake Conway. This fully renovated canal-front home sits on a quiet dead-end street in the heart of Orlando, offering direct access to the entire Conway chain of lakes — all the boating without the noise and traffic of living directly on open water. Launch from your own private boat ramp with a recently updated dock and new decking (2025) and a new boat lift motor (2024), and Touchless boat cover system, all anchored by a recently modernized seawall. A separate waterfront deck with a handsome metal-roof pavilion creates the perfect spot to relax and take in the water. Inside, the home lives bright and open with a spacious great-room concept and a gorgeous kitchen featuring granite countertops, stainless steel appliances, and beautiful cabinetry with under-cabinet lighting, all set off by luxury vinyl plank flooring throughout the downstairs. A convenient mudroom with indoor laundry and an adjoining half bath adds everyday function, one of the three downstairs bedrooms makes an ideal home gym, and the epically renovated guest bath is truly stunning. Upstairs, the oversized master retreat features warm wood accents, tongue-in-groove ceiling, and an elegantly remodeled bath with his & hers closets, an oversized shower and floating vanity, plus private access to a rooftop patio overlooking the canal. The master and one guest bedroom are finished with premium Karastan carpet. A standout separate air-conditioned flex space — currently a teen's bedroom and previously a home office — makes an ideal studio or guest retreat, fully modernized top to bottom with insulated paneling, luxury vinyl plank flooring and loft space for beds or storage (this is not included in the bedroom count). The current owner has meticulously upgraded the home throughout, including spray foam insulation on the underside of the roof and within the master bedroom walls. Major systems are newer and thoroughly documented (docs can be provided): a new AC with new ducting (2024), a whole-home re-pipe (2020), a water filtration system, updated interior and exterior electrical (2020), a high-efficiency water heater, and a roof in great condition. Additional improvements include an irrigation system with new pump, all-new Pella brand doors and windows, and updated lighting fixtures, doors, and hardware throughout. The oversized garage with RV hook-up adds an epoxy-sealed floor, its own mini-split AC, work-shop space with wet-bar sink and a modern opaque-front garage door, while the exterior is finished with gutters and gutter guards, landscape lighting, architectural window shutters, and modern accents throughout. A large paver driveway and patio deliver standout curb appeal, and the fully fenced backyard features upgraded horizontal-plank fencing with a steel-reinforced gate (2025) and a large screened paver patio with a well-maintained hot tub. Located close to A-rated schools and just a five-minute bike ride to Cornerstone Academy, the home also offers rare expansion potential — the seller has already assessed the oversized side yard for a future pool or home addition, both feasible thanks to the home being on sewer. The ultimate Florida lake lifestyle awaits — boat, relax, and entertain, all from your own slice of the Conway chain.

465 Mandalay Road, Orlando

Start Your Search

32809 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 $58,000 to $990,000, with a median around $70,450. The typical one is about 313 square feet with 2 bedrooms. The list below is pulled live from the MLS, so it is current even when this write-up is not.

32809 homes with no HOA at a glance

Active listingsa handful
Median list price$70,450
Price range$58,000 to $990,000
Median size313 sq ft
Median bedrooms2
Median year built1974
Median days on market87

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 all8No 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 optional0There 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.

32809 homes with no HOA by price range

under $300k7
$750k-$1M1

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 32809?

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 32809?

The median list price is around $70,450, with the range running $58,000 to $990,000.

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 32809?

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

Tools for 32809

Other 32809 searches