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.
Three things every buyer must verify before purchasing any property for STR
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.
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 / VerifyZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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
✗ RestrictedZip
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
? UnconfirmedZip
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)
✗ RestrictedZip
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.
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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.
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 ApprovedZip
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 ApprovedZip
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 ApprovedZip
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.Look up parcel on the Osceola County GIS STR Boundary Map: gis.osceola.org
- 2.Confirm parcel falls inside the overlay boundary on the map
- 3.Call (407) 742-0200 or email zoning@osceola.us for written confirmation
- 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.Confirm unincorporated jurisdiction at Polk County Property Appraiser: pcpao.gov
- 2.Confirm resort/PUD zoning designation for the community
- 3.Obtain Class B Business Tax Receipt from Polk County Tax Collector: $30–50/year
- 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.Confirm address is within Clermont city limits
- 2.Contact Clermont Development Services: (352) 394-4083
- 3.Apply for Vacation Rental License: $375
- 4.Register with Lake County Tax Collector for Tourist Development Tax
Annual renewal deadline: September 30. Missing renewal triggers a lapse in licensing.
Related Guides
STR Zoning Rules by City & County
Full regulatory breakdown for every Orlando-area jurisdiction
Read guide →Airbnb Investment Properties Orlando
Returns, financing, and due diligence checklist
Read guide →Davenport / Polk County Deep Dive
Best communities, licensing steps, financial models
Read guide →STR Cap Rates by Location
Returns by area, property type, and management model
Read guide →Kissimmee Hotel & STR Investment
US-192 corridor, zoning, and value-add strategies
Read guide →Hospitality Investment FAQ
25+ answers to STR and hotel investing questions
Read guide →Want us to verify a specific property before you buy?
We check county jurisdiction, parcel-level zoning, STR license availability, and HOA covenants before you make an offer. Saves you from expensive post-purchase surprises.