34786 Zip Code FL Real Estate, Homes with No HOA Fee for Sale

Browse All 34786 Zip Code FL Properties with No HOA Fee for Sale

Spectacular Private Gated Lakefront Estate on Lake Olivia in Windermere - From the moment you enter through the custom iron gates, you are welcomed into a private lakefront estate unlike any other. Nestled on 1.75 acres along the shores of Lake Olivia, this custom-built Mediterranean residence showcases Tuscan-inspired architecture, mature landscaping, and a winding paver drive creating a true sense of arrival and privacy. Offering six bedrooms, all with ensuite bathrooms, including a private attached mother-in-law suite, this estate features an ideal floor plan with nearly all living spaces and five bedrooms conveniently located on the main level, with the sixth bedroom and bonus/media space upstairs. Elegant craftsmanship is showcased throughout with stone accents, travertine and granite finishes, and refined details. The primary retreat features French doors opening to the screened lanai with pool and lake views, dual custom closets, and a luxurious bath complete with stone flooring, tiled shower, jetted tub with fireplace and mounted TV, dual vanities, private water closet with bidet, and illuminated makeup area. The attached sixth bedroom suite offers a private side entrance, separate kitchen, sitting area, and serene lake views, perfect for guests or multigenerational living. The gourmet chef’s dream kitchen features double islands, granite countertops, premium appliances including a full-size professional Wolf 6-burner and griddle gas range with double ovens, 48” Sub-Zero Pro refrigerator/freezer with lit glass door, food warmer drawer, additional convection oven, wine fridge, and butler’s pantry. Additional highlights include a separate media/games room upstairs, formal living and dining spaces, spacious laundry room with pantry storage, and an oversized 3-car garage with keypad entry, side entrance, and epoxy flooring. The expansive 1,200+ square-foot screened lanai spans the rear of the home and is fully protected with 8 remote hurricane shutters. Enjoy multiple gathering areas overlooking the pool and lake, a summer kitchen with Viking grill, hood, fridge and sink, stone fireplace, teak ceilings, and a breathtaking lagoon-style saltwater pool with heart-shaped spa. Recent enhancements totaling over $200,000 include all-new light fixtures and ceiling fans, whole-house generator with automatic transfer capability restoring power in under 15 seconds during an outage, Leaf Guard gutter system, new AC system, remote hurricane shutters, roof tile servicing and sealing for pest protection, newly installed side pavers, and fresh interior paint. Take in the stunning lake views from the oversized boathouse and screened dock room, featuring a motorized boat lift with direct access to Lake Olivia — a private spring-fed lake with no public access, sandy bottom, and exceptional opportunities for boating, skiing, and fishing. A rare opportunity to own a private lakefront estate with no HOA offering architectural elegance, exceptional entertaining spaces, modern upgrades, and the tranquility of one of Central Florida’s most desirable private lakes. Conveniently located near world-class shopping, major highways, and area attractions. Move-in ready and available for immediate showings with 360 Tour and floorplan available.

9679 Westover Roberts Rd, Windermere

$2,500,000

6 Beds ⋅ 4 Baths ⋅ Gotha Town SubDv. ⋅ 34786 Zip Code

MULTI-GENERATIONAL LUXURY LAKEFRONT LIVING. Welcome to 1629 Hempel Avenue, a private lakefront retreat set on more than one gated acre along Lake Olivia, an approximately 88-acre, spring-fed lake with private access. Located in the desirable Gotha/Windermere area, this exceptional property offers rare peace and privacy while remaining convenient to Southwest Orlando’s renowned theme parks, premier shopping, Downtown Orlando, Orlando International Airport, highly regarded schools, and the Florida Turnpike. Mature trees, lush gardens, and thoughtfully designed outdoor spaces create a setting that feels secluded, established, and distinctly Florida. An antique church door provides a memorable entrance, setting the tone for a residence that blends refined finishes, distinctive character, and comfortable everyday living. The main residence features four bedrooms, two full bathrooms, and an expansive open-concept living area designed for entertaining while showcasing beautiful lake views. The oversized great room offers multiple gathering spaces, including a billiards area, a large television and game-day space, a generous dining area, and an impressive chef-inspired kitchen. At the center of the kitchen is an abundant quartz-topped island offering extensive workspace, seating, and a natural gathering place where guests can connect while meals are prepared. High-end flooring throughout the main home includes polished ceramic tile, travertine, and solid wood, while newer energy-efficient windows and doors enhance comfort and efficiency. The primary suite is a magazine-worthy addition created as a private lakeside sanctuary. Cathedral ceilings, polished ceramic tile flooring, expansive lake views, and a flexible sitting or exercise area create an open and relaxing environment. Two oversized custom closets provide exceptional storage. The luxurious bathroom features floor-to-ceiling ceramic tile, quartz countertops, an oversized porcelain soaking tub, and a spacious walk-in shower room. Four distinctive outdoor living areas invite you to enjoy the property throughout the year. Gather around the fire in the stone-paver garden area, relax within the private walled courtyard surrounded by potted plants and the soothing sound of a water fountain, or spend the day along the expansive backyard and private boat dock. The recently updated infinity-edge pool and heated spa overlook the lake, creating a resort-style setting for relaxing, entertaining, and enjoying unforgettable sunsets. A separate guest residence adds tremendous flexibility and privacy. Complete with two bedrooms, two bathrooms, a kitchen, and a living area, it is ideal for multigenerational living, extended guests, or an on-site caretaker. A private gated driveway and abundant parking accommodate multiple vehicles with ease. Combining two complete residences, more than an acre of lakefront land, exceptional outdoor living, mature landscaping, and private access to Lake Olivia, this one-of-a-kind estate offers a lifestyle rarely available in Central Florida.

1629 Hempel Avenue, Windermere

$444,900

3 Beds ⋅ 3 Baths ⋅ Preston Square SubDv. ⋅ 34786 Zip Code

BEST VALUE TOWNHOUSE IN WINDERMERE! OUTSTANDING HOME AND LOCATION in the desirable community of Preston Square in Windermere FL. This amazingly unique 3 bedroom, 2,5 bath feels like a single family home with its large kitchen and attached 2-car garage. When you enter, you will be welcomed by the beautiful columns, hardwood floors, separate dining room, separate living room and a great paved private courtyard. Wonderful front porch overlooks the park, community pool and basketball areas. Other awesome features include crown molding, sliding door with built-in blinds, retractable ceiling fans, plantation shutters and curved archways. Expansive kitchen has plenty of 42" wood cabinets and granite countertops with backsplash and an additional eat-in-kitchen space. Master suite has large walk-in closet, tray ceiling and spacious master bath with double sink, granite countertops, wood cabinets, jetted tub and shower. Wonderfully kept community maintains ground maintenance. Close to Disney, Publix, restaurants, retail stores, major roads and excellent Windermere schools. MOVE-IN-READY. Room measurements are approximate. Must see!

7060 Ventnor Drive, Windermere

$6,900,000

5 Beds ⋅ 7 Baths ⋅ Down Acres Estates SubDv. ⋅ 34786 Zip Code

A rare architectural statement on Lake Down, this extraordinary contemporary waterfront estate redefines luxury living in the heart of Windermere. Positioned on the prestigious Butler Chain of Lakes, this stunning residence offers 5 bedrooms, 5 full baths, 2 half baths, and a private elevator, seamlessly blending sophisticated design with effortless lakefront living. Constructed to Miami coastal specifications, the home was engineered with exceptional attention to quality, durability, and structural integrity while maintaining its striking modern aesthetic. Floor-to-ceiling glass walls frame breathtaking water views and flood the home with natural light, while soaring ceilings and open-concept living spaces create a dramatic yet inviting atmosphere. Every detail has been thoughtfully curated, from the designer finishes and statement lighting to the seamless integration of indoor and outdoor spaces. Luxury wellness amenities, including a steam shower, further enhance the home's resort-inspired appeal. The outdoor living experience is equally impressive, featuring a spectacular pool, expansive covered entertaining areas, and a fully equipped outdoor kitchen designed for gatherings both intimate and grand. Above it all, the rooftop terrace offers panoramic views of Lake Down and the surrounding landscape, creating the perfect setting for morning coffee, sunset cocktails, or evenings under the stars. As night falls, enjoy a truly magical experience as Disney fireworks illuminate the horizon from the comfort of your private rooftop retreat. Whether spending the day on the Butler Chain, entertaining guests poolside, or relaxing while taking in the waterfront views, this residence delivers an unparalleled lifestyle defined by elegance, comfort, and connection to the water. Ideally located just minutes from Restaurant Row, Downtown Orlando, the Mall at Millenia, Disney, Universal Studios, Orlando International Airport, and major thoroughfares including SR-408, this exceptional property combines the serenity of premier lakefront living with unmatched convenience. From sunrise over Lake Down to Disney fireworks dancing across the night sky, this is a home designed to inspire, impress, and elevate everyday living.

9061 Ron Den Lane, Windermere

$30,000,000

7 Beds ⋅ 14 Baths ⋅ N/A SubDv. ⋅ 34786 Zip Code

Showcasing Central Florida’s most iconic lakefront estate: an 18-acre compound with 614 feet of pristine frontage on Lake Down on The Butler Chain of Lakes. The Windy Ridge Estate is comprised of multiple buildings spanning 51,000 square feet of space including an expansive 20,333 square-foot Georgian-style Plantation mansion that is a showplace residence with generous luxurious spaces, classic elegance, and the ultimate in security and serenity. The walled entry opens to a grand foyer with a floating mahogany staircase, marble floors, paneled walls, and Murano chandeliers. An art gallery leads to a spacious living room featuring rich mahogany millwork and expansive lake vistas. Gourmet kitchen: salamander, dual double convection ovens, commercial icemaker, full-size refrigerator, and freezer. The main level includes one of two owners' suites, plus a library-lounge or a possible sixth bedroom. Dual staircases or a Thyssenkrupp elevator provide access to the upper level, which features four-bedroom suites, including the primary retreat. An 85-foot parlor with 20-foot ceilings, built-in bookshelves, and a wet bar provide a dramatic entertaining space. Screened porch captures southern lake views and Disney fireworks. Breezeway connects to a 5,600 SF rustic lodge with a bar, catering kitchen, entertainment hall, and locker facilities. Outdoor amenities: Junior Olympic pool, spa, decorative fountain, architectural lighting, direct lake access. The vast and open water location offers an ideal space for seaplane arrivals and departures. Additional structures include a 4,000 SF paneled garage with 20-foot ceilings, an office, and a guest apartment; a 3,800 SF storage building; three separate garages accommodating motor coach and car collection; and staff quarters with a private courtyard. A rare fusion of Southern grandeur, lakefront serenity, and equestrian potential—without any interference of an HOA. Truly a legacy compound crafted for those who demand the extraordinary.

9508 Windy Ridge Road, Windermere

$430,000

3 Beds ⋅ 3 Baths ⋅ Legado 95/47 Lot 100 SubDv. ⋅ 34786 Zip Code

Welcome to this beautifully maintained 3-bedroom, 2-bathroom home featuring a spacious loft area perfect for a home office, media room, or play space. This move-in ready property offers an open-concept layout, stylish finishes, abundant natural light, and comfortable living spaces throughout. Located in the highly desirable Windermere area, this home offers easy access to top-rated schools, shopping, dining, major highways, and Orlando attractions. Enjoy the perfect blend of comfort, convenience, and Florida living in a great location!

8866 Herencia Aly, Windermere

$599,000

4 Beds ⋅ 2 Baths ⋅ Silver Woods Ph 05 SubDv. ⋅ 34786 Zip Code

Windermere Gem: Fully Updated & Move-In Ready! Discover the perfect blend of modern luxury and prime location in the highly sought-after Windermere area. This beautifully updated home offers an incredible opportunity for homeowners and investors alike, situated just minutes from top-rated schools, premier shopping centers, and fitness facilities. This property has been meticulously maintained, featuring an extensive list of recent high-value upgrades: Recent Upgrades & Features: Brand New Kitchen (March 2026): Fully updated with modern flooring, custom cabinetry, and premium appliances. Comprehensive Pool Refresh (2026): Newly resurfaced pool and deck (Feb 2026), plus a brand-new pool pump and filter (March 2026). New Roof: Installed August 2024. Septic System: Installed January 2018. AC System: Installed 2017. Full House Re-pipe: Completed August 2016. Additional Features: Pool rescreened (2019) and nearby access to community tennis courts. Whether you're looking for a stylish family residence or a high-performing investment property, this home is truly move-in ready.

9011 Chapman Oak Court, Windermere

$4,850,000

7 Beds ⋅ 8 Baths ⋅ Gotha Town SubDv. ⋅ 34786 Zip Code

Discover “Bella Olivia”: a grand mediterranean estate perched high above Lake Olivia showcasing sweeping lake views, private gates, and an expansive luxury residence spanning over 8,900 square feet of living space across 7 bedrooms, including two primary suites, two guest apartments, garage space for 6 cars, an enormous screened enclosure with resort-style pool and spa, over 5.4 acres and no HOA. This private palace with brand new roof impresses with large circular paver drive, 3-tiered fountain, 10-foot iron front doors, 35-foot high ceilings, custom iron railings, and marble and travertine flooring – plus, coffered ceilings and elegant details throughout. Home has been extensively updated and lovingly cared for to highlight classic style and luxury to compliment today’s sophisticated lifestyle. The main kitchen features beautiful marble counters, three islands, two preparation sinks, custom cabinetry, and stainless appliances including two dishwashers, two microwaves, double ovens, and a Viking gas stove. The first-floor primary retreat is dressed with hardwood flooring, tray ceiling, and triple crown molding, and an exceptional bathroom with tiled shower, jetted tub, dual vanities, and expansive double closets. The main living spaces are abundant and stately with two first-floor family rooms, billiards room, living room, dining room, theater, and guest suite – upstairs is a third family room, secondary master suite, and three additional guest suites, plus a large balcony with screens. A separate entrance off the kitchen provides access to a private guest apartment with a kitchenette, family room, and bedroom. Plus, a second private apartment (978 sq feet, not included in the listed 8,931 sq feet) is accessible from the outside and is located over the 4-car garage and features family room, sink, and bedroom. Functional outdoor living space is extended to the mammoth screened enclosure to encompass a sitting area off the master and an additional family room with fireplace, tv, and full summer kitchen across the pool deck that can be separated by an electric additional privacy screen. The showstopping infinity edge pool is colossal in size and includes a sun shelf for shallow water relaxing and an infinity hot tub. Both sides of the house have all been paved with a new drainage system and ramps for easy access for boats and watercraft to Lake Olivia. The 150 ft refreshed covered dock has two cradles: currently set for a boat and two jet skis. There’s also a sitting area for lounging lakeside. Experience the best of Windermere with this lakefront retreat built for privacy, luxury, and lifestyle.

9575 Westover Roberts Road, Windermere

Start Your Search

34786 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 $430,000 to $30,000,000, with a median around $2,950,000. The typical one is about 5,262 square feet with 5 bedrooms. The list below is pulled live from the MLS, so it is current even when this write-up is not.

34786 homes with no HOA at a glance

Active listings	a handful
Median list price	$2,950,000
Price range	$430,000 to $30,000,000
Median size	5,262 sq ft
Median bedrooms	5
Median year built	2008
Median days on market	37

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	7	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.

34786 homes with no HOA by price range

$300k-$500k	2
$500k-$750k	1
$1M+	5

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 34786?

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 34786?

The median list price is around $2,950,000, with the range running $430,000 to $30,000,000.

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 34786?

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