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Investor Reference Guide · May 2026

Orlando Vacation Rental Communities — Where Airbnb & VRBO Are Actually Legal

The biggest mistake vacation rental investors make in Orlando is assuming all areas near Disney allow Airbnb. They don't. STR legality is determined at the parcel level — by county, zoning district, and HOA covenants. This page lists every confirmed STR-approved community, organized by jurisdiction, with specific rules for each.

✓ STR Approved
⚠ Partial / Verify
✗ Restricted
? Unconfirmed
18
Osceola County communities
7
Polk County communities
3
Other jurisdictions
13.5% / 12%
Tax rate (Osceola / Polk)
⚠️

Three things every buyer must verify before purchasing any property for STR

1. Exact county/city jurisdiction (address ≠ jurisdiction)2. Parcel-level zoning (community name ≠ STR-zoned)3. HOA CC&Rs (county approval ≠ HOA permission)

Florida's preemption law (F.S. §509.032) only binds government bodies — it does NOT protect investors from HOA bans on short-term rentals. Always get written confirmation from the HOA manager before closing.

Osceola CountyCombined Tax: 13.5%  ·  STR License: $250 + $160 inspection

Disney & US-192 Corridor Communities

STRs are only permitted in Osceola County's designated STR Overlay District. Verify each parcel on the Osceola GIS STR Boundary Map or call (407) 742-0200 before purchasing.

Windsor Hills Resort

✓ STR Approved

Zip

34747

Distance to Disney

~2 miles

Min. Stay (HOA)

2–3 nights (PM-set)

Avg Nightly Rate

$150–$400

One of the oldest and most established STR resort communities. HOA built around vacation rental model. Listings active on Airbnb/VRBO since early 2000s. Some inventory is aging — factor renovation into acquisition price.

Windsor Palms Resort

✓ STR Approved

Zip

34747

Distance to Disney

~2 miles

Min. Stay (HOA)

PM-dependent

Avg Nightly Rate

Not published

On Osceola County's approved STR community list. Active property management companies operating. Near Windsor Hills in the Four Corners corridor.

Windsor at Westside

✓ STR Approved

Zip

34747

Distance to Disney

~3 miles

Min. Stay (HOA)

2–3 nights typical

Avg Nightly Rate

Not published

Newer community (post-2015). Purpose-built for STR. Specifically zoned for short-term rental. Multiple property management companies operate here. 'Fully short-term rental approved' per property management sources.

Storey Lake Resort

✓ STR Approved

Zip

34746

Distance to Disney

~5 miles

Min. Stay (HOA)

2–4 nights

Avg Nightly Rate

~$188 ADR

Modern construction (2017+). ~77% occupancy achievable. Confirmed STR zoning. Rules: no events/parties/weddings, no pets, no smoking, noise ordinance 10pm–7am. Closer to restaurants and shopping than Windsor Hills.

Reunion Resort & Club

✓ STR Approved

Zip

34747

Distance to Disney

~6 miles

Min. Stay (HOA)

Owner/PM may set own

Avg Nightly Rate

$300–$600+ (premium villas)

⚠ Amenity access requires preferred PM

No HOA rental restrictions. 'Properties can be rented to either long-term or short-term tenants' (OwnReunion.com FAQ). Osceola County DRI-confirmed. IMPORTANT: guests only access Club amenities (pools, golf) if rented via Reunion's preferred management companies. HOA/resort dues vary significantly by neighborhood — can be $6,600+/year. Verify current dues before purchasing.

Encore Resort at Reunion

✓ STR Approved

Zip

34747

Distance to Disney

~6 miles

Min. Stay (HOA)

2 nights

Avg Nightly Rate

Premium

Purpose-built resort community adjacent to Reunion Resort. Separate management entity (EncoreReunion.com). Within Reunion's larger DRI footprint. Competitive with Solara and Storey Lake for amenity quality.

Solara Resort

✓ STR Approved

Zip

34747

Distance to Disney

~8 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Gated vacation resort community. Regularly cited alongside Storey Lake and ChampionsGate as a top-tier STR community. Purpose-built for vacation rental. No HOA restrictions on STRs identified.

ChampionsGate (Stoneybrook South CDD)

⚠ Partial / Verify

Zip

33896

Distance to Disney

~8 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

⚠ Commonly misidentified as Polk County — verify each parcel

CRITICAL: Stoneybrook South at ChampionsGate CDD was established by Osceola County ordinance — it is in OSCEOLA COUNTY, not Polk County as frequently stated. Approximately half of properties are set up for STR; the other half are long-term residential only. Verify each parcel's county AND STR zoning status individually. The 33896 zip code crosses the county line.

Margaritaville Cottages (The Residences)

✓ STR Approved

Zip

34747

Distance to Disney

~6 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Key West-inspired 2–8 bedroom cottages with private pools. 'Zoned for short-term rental; owners can enjoy their piece of paradise and place their home in a rental program.' Listed on Airbnb, VRBO, Kayak, and Expedia. Preferred management companies available. Part of the broader Margaritaville Resort development.

Bella Vida Resort

✓ STR Approved

Zip

34746

Distance to Disney

~6 miles

Min. Stay (HOA)

NONE — no deed restrictions

Avg Nightly Rate

Not published

One of the most flexible STR frameworks available. 'Zoned for short-term rental; does not have any deed restrictions on length of stay.' Owners can rent short-term, long-term, or live full-time. Modest HOA. No rental minimum imposed. An underrated community for investors who want maximum flexibility.

Veranda Palms Resort

✓ STR Approved

Zip

34746

Distance to Disney

~6 miles

Min. Stay (HOA)

NONE

Avg Nightly Rate

Not published

Strong investor ownership terms: 'Owners may use their property up to 365 days per year' and 'may rent their units out for any length of time when not in use.' No HOA minimum stay. 5–15 bedroom luxury homes with private pools. Gated resort. No on-site management — owners may self-manage or use any third-party PM.

Magic Village Views

✓ STR Approved

Zip

34747

Distance to Disney

~4 miles (near Animal Kingdom)

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Premium

Boutique resort concept near Animal Kingdom. Achieves premium nightly rates per property management analyses. Purpose-built for vacation rental. Smaller, more exclusive community.

Emerald Island Resort

✓ STR Approved

Zip

34747

Distance to Disney

~3 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Established gated luxury community, operating since early 2000s. 3–7 bedroom townhouses and detached homes with private pools. On county's approved STR list. EmeraldIslandRentals.com confirms active rental operations.

Paradise Palms Resort

✓ STR Approved

Zip

34747

Distance to Disney

~4 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Fully short-term rental approved. On Osceola County's approved community list. Active on Airbnb and VRBO.

Formosa Gardens

✓ STR Approved

Zip

34747

Distance to Disney

~3 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

On Osceola County's approved STR community list. Active rental listings on VillaDirect.com and other platforms confirm ongoing STR operations.

Indian Creek

✓ STR Approved

Zip

34747

Distance to Disney

~3 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

On Osceola County's approved STR community list.

Terra Verde Resort

✓ STR Approved

Zip

34746

Distance to Disney

~5 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

On Osceola County's approved STR community list. Active rental market confirmed.

Crescent Lakes

✓ STR Approved

Zip

34746

Distance to Disney

~6 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

On Osceola County's approved STR community list.

Lucaya Village

✓ STR Approved

Zip

34746

Distance to Disney

~5 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

On Osceola County's approved STR community list.

Celebration

✗ Restricted

Zip

34747

Distance to Disney

~3 miles

Min. Stay (HOA)

N/A

Avg Nightly Rate

N/A

✗ Do not invest here for STR

Effectively off-limits for STR investment. Disney-developed master-planned community. HOA actively enforces prohibitions on short-term rentals. Rules vary by sub-association but the community leadership is hostile to STR. Even if a specific parcel falls within the Osceola STR overlay, the HOA CC&Rs override county zoning for private communities.

Harmony

? Unconfirmed

Zip

34773

Distance to Disney

~22 miles

Min. Stay (HOA)

N/A

Avg Nightly Rate

N/A

? Not confirmed — likely outside overlay

No sources confirm Harmony as an STR-approved community. Located southeast of St. Cloud, far from the tourist corridor where the overlay is concentrated. Not cited by any property management company or STR investor guide as an operating STR market. Must verify directly with Osceola County Zoning before purchase.

St. Cloud (city limits)

✗ Restricted

Zip

34769 / 34771 / 34772

Distance to Disney

~20 miles

Min. Stay (HOA)

N/A

Avg Nightly Rate

N/A

✗ Hotel/motel zones only

STRs are only permitted in hotel/motel commercial zones within St. Cloud city limits. Effectively off-limits for residential STR investment. Fines $500+ for violations.

Additional Osceola Overlay Communities

The county's approved list (last published May 2022) includes additional communities with less investor activity: Bass Lake Estates, Boggy Creek Estates, Chatham Park, Compass Bay, Doral Woods, Grand Palms, Legacy Dunes, Lucaya Village, Paradise Cay, Saratoga Park, Stoneybrook South (see ChampionsGate note above), Sunset Lakes, Terra Verde Resort, Trafalgar Village, and others. The GIS map is the authoritative real-time source.

Polk CountyCombined Tax: 12.0%  ·  STR License: $30–50 BTR/year

Davenport & Four Corners Communities

Most permissive STR jurisdiction in the Orlando metro. No overlay district — resort PUD communities are STR-legal by right. Lowest tax rate (12%). Verify parcel county at pcpao.gov — some communities straddle the Osceola/Polk county line.

Solterra Resort

✓ STR Approved

Zip

33897

Distance to Disney

~12 miles

Min. Stay (HOA)

Not specified (HOA/CDD may set)

Avg Nightly Rate

Premium villa rates

Most recognizable vacation rental brand in Davenport. 'Most Solterra properties are zoned for short-term rental use.' Dual HOA + CDD governance — HOA requires written notice before operating as STR; CDD manages guest registration and amenity access. Enhanced digital monitoring of guests anticipated 2026. Tax: 12% (Polk County — lower than Osceola's 13.5%). BTR: $30–50/year.

Windsor Island Resort

✓ STR Approved

Zip

33897

Distance to Disney

~12 miles

Min. Stay (HOA)

None (30-day max guest stay per calendar year)

Avg Nightly Rate

Not published

⚠ Polk County, not Osceola — different licensing

IMPORTANT: Windsor Island is POLK COUNTY, not Osceola County, despite sharing 'Windsor' branding with Osceola's Windsor communities. Requires Polk County BTR, not Osceola County STR license. Rules: guests must be 25+ to book (minors permitted with parent/guardian); max 4 vehicles per property strictly enforced; maximum 30-day stay per guest in any calendar year.

Highlands Reserve

✓ STR Approved

Zip

33897

Distance to Disney

~13 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Established golf community with ~900 privately owned villas (3–6 bedrooms). Many back to golf fairways. Community pool, tennis, playground. Long-running active vacation rental market confirms HOA does not prohibit STR. Accessible price point makes this a popular value play.

Providence Golf Club

✓ STR Approved

Zip

33837

Distance to Disney

~17 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Golf-focused community. Active STR market confirmed by TopVillas and other vacation rental platforms. Gated community. Longer drive to Disney than Four Corners communities.

Aviana Resort

✓ STR Approved

Zip

33897

Distance to Disney

~12 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Cited by TopVillas as one of Davenport's top gated resort STR communities. Gated community with resort amenities.

Regal Palms Resort

✓ STR Approved

Zip

33897

Distance to Disney

~12 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Explicitly listed in Polk County resort areas where STRs are permitted by right. Four Corners area community.

Sandy Ridge

✓ STR Approved

Zip

33897

Distance to Disney

~12 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

Active vacation rental community. Appeared in Polk County vacation home market listings by multiple property management companies.

Other Jurisdictions

Orange County, Lake County & Clermont

Orange County unincorporated residential zones are largely restricted — Vista Cay is a notable exception. Lake County (Clermont) permits non-owner-occupied vacation rentals city-wide with a $375 license.

Vista Cay Resort

✓ STR Approved

Zip

32819

Distance to Disney

~10 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Premium during convention events

One of the few confirmed STR-approved communities in unincorporated Orange County. Near Orange County Convention Center and Universal Studios. Benefits from strong convention market — premium rates during large events. Resort-zoned community that predates current Orange County residential STR restrictions.

Windsor Cay Resort

✓ STR Approved

Zip

34714

Distance to Disney

~18 miles

Min. Stay (HOA)

Not specified

Avg Nightly Rate

Not published

New purpose-built STR community in Clermont, Lake County (not Osceola/Orange). 'Floor plans made with Airbnb in mind.' Large-format 5–10 bedroom homes with private pools. Amenity completion approximately 2025. Emerging STR market with less competition than Osceola/Polk resort communities. Clermont permits non-owner-occupied vacation rentals with a $375 license.

City of Clermont (general)

✓ STR Approved

Zip

34711 / 34714 / 34715

Distance to Disney

~18 miles

Min. Stay (HOA)

None

Avg Nightly Rate

Market-dependent

Clermont explicitly permits non-owner-occupied vacation rentals for single-family and duplex units. $375 vacation rental license, annual renewal by September 30. Less tourist-concentrated than Osceola/Polk corridor but less competition and lower acquisition prices. Growing residential base supports year-round demand beyond pure tourism.

Areas to Avoid for STR Investment

City of Orlando (residential zones)

Owner must live there 51%+ of year and be present during all guest stays. Non-owner-occupied investment STRs are prohibited.

Celebration

HOA actively enforces STR prohibitions across most sub-communities, overriding county zoning. Do not buy here for Airbnb.

St. Cloud

STRs only permitted in hotel/motel commercial zones. Standard residential properties face $500+ daily fines.

Winter Garden (residential zones)

Generally requires owner-occupancy in residential zones. Commercial/mixed-use zones may be exceptions — verify before purchasing.

Orange County residential zones

Non-owner STRs are prohibited without a Special Use Permit (discretionary, not guaranteed). Most residential purchases in unincorporated Orange County cannot legally operate as STRs.

Harmony (Osceola County)

Not confirmed as an STR-permitted community. Located far from the tourist corridor where the overlay is concentrated. Verify before purchasing.

How to Verify Any Specific Address

Osceola County

  1. 1.Look up parcel on the Osceola County GIS STR Boundary Map: gis.osceola.org
  2. 2.Confirm parcel falls inside the overlay boundary on the map
  3. 3.Call (407) 742-0200 or email zoning@osceola.us for written confirmation
  4. 4.Request STR license from Community Development Department: $250 + $160 inspection

Being near a known STR community is not enough — verify each parcel on the GIS map.

Polk County

  1. 1.Confirm unincorporated jurisdiction at Polk County Property Appraiser: pcpao.gov
  2. 2.Confirm resort/PUD zoning designation for the community
  3. 3.Obtain Class B Business Tax Receipt from Polk County Tax Collector: $30–50/year
  4. 4.If in City of Davenport limits: also need city Vacation Rental License ($136.17)

ChampionsGate is widely described as Polk County but Stoneybrook South CDD is Osceola. Always verify the county.

Lake County / Clermont

  1. 1.Confirm address is within Clermont city limits
  2. 2.Contact Clermont Development Services: (352) 394-4083
  3. 3.Apply for Vacation Rental License: $375
  4. 4.Register with Lake County Tax Collector for Tourist Development Tax

Annual renewal deadline: September 30. Missing renewal triggers a lapse in licensing.

Want us to verify a specific property before you buy?

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