Harbar Oaks
Homes for Sale in Montverde, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 8 closed sales in Harbar Oaks in Montverde, FL since 2005, the most recent in July 2026. Across Montverde as a whole, 67 homes closed in the last 12 months at a median of $650,000, 50 median days on market, with 17 homes for sale today. At that median and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $10,820 ($10,150 with the full homestead exemption).
Harbar Oaks is a small, fixed pool of 27 homes, and with zero active listings as of this snapshot, there is nothing on the market to benchmark against right now. That is the defining fact for anyone circling this community: you are not shopping inventory, you are waiting for it, and when a home does surface here, there is no competing listing in the same subdivision to give a buyer leverage or a seller a comp to point to.
Construction spans 1986 to 2017, with a median year built of 1992, so a buyer has to evaluate each home on its own systems and updates rather than assuming a uniform build era. With homestead exemptions filed on about 78% of homes, most of this community is held long-term rather than turned over, which is part of why listings are scarce and why patience matters more than urgency for anyone waiting to buy in.
Nearby homes for sale
No active listings inside Harbar Oaks right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Harbar Oaks is a compact, established pocket of 27 homes in Montverde with a median living area of 2,143 square feet and no active MLS inventory at the moment, making it a community you track rather than one you can walk into today.
Stellar MLS sales records identify 13 homes in Harbar Oaks that have changed hands since 2008, built between 1986 and 2020 (median 1991), with a median living area of about 2,237 sq ft and a typical 4-bedroom, 2-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Harbar Oaks is best for.
Best for
- A buyer with flexible timing who wants to be first in line when a Harbar Oaks home eventually lists.
- A buyer comfortable evaluating homes individually across a wide build range, from 1986 to 2017, rather than assuming a single construction standard.
- A buyer who values living in a community with a high rate of long-term, homestead-held ownership over one with frequent turnover.
Probably not for
- A buyer who needs to close within a set window and cannot wait out zero current inventory.
- A buyer who wants confirmed shared amenities, since none are identified in current MLS data for this community.
- A buyer who wants multiple active comps to negotiate against before making an offer.
The market around Harbar Oaks
Harbar Oaks is too small for its own price trend, so here is the market around it.
In ZIP 34756, 134 homes are on the market and 21% are under contract — a steady corner of Montverde.
Across Lake County, 3,179 homes are active and 1,077 pending (25% under contract).
In ZIP 34756 (MONTVERDE), 143 homes closed in the last 12 months at a median of $1.16M ($382/sq ft), up 11.7% year over year, with a median 65 days on market. Right now 81 active and 11 pending listings put supply at about 7.8 months - a buyer's market. See the live ZIP 34756 housing market and the Lake County market.
ZIP and county figures describe the wider market, not Harbar Oaks specifically. Momentum Research analysis of MLS records.
The Harbar Oaks buying strategy.
If we were buying in Harbar Oaks today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harbar Oaks.
A small, held community
With only 27 homes total and none currently listed, Harbar Oaks behaves less like an open market and more like a waiting list. The build range of 1986 to 2017 means a buyer will encounter a mix of original construction and later updates, and with a median year built of 1992, due diligence on roofs, HVAC, and other major systems should be a standing part of any offer here rather than an afterthought.
The 78% homestead share is the clearest signal in this data: most owners have filed for the exemption, which typically points to longer hold periods and less routine turnover. Combined with zero active listings, that tells a buyer the path in is usually word of mouth, direct outreach, or watching for a listing the moment it appears rather than browsing a stocked market. No community amenities are identified from current MLS data, so any shared features should be confirmed directly rather than assumed.
The location and the amenities are priced into every listing in Harbar Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with no active listings and only 27 homes total, the advantage is in the setup, not the search. We track when homestead-held properties in Harbar Oaks change hands, verify build-era details like roof and system age against the 1986 to 2017 construction range, and make sure a buyer is positioned to act the moment something surfaces rather than starting from zero after a listing already hits the market.
Harbar Oaks in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harbar Oaks buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harbar Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbar Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbar Oaks home worth?
Get a no-obligation home value based on real comparable sales in Harbar Oaks, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Montverde →
Should you buy in Harbar Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2005 (8 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harbar Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Harbar Oaks
Where is Harbar Oaks?
Harbar Oaks is a community in MONTVERDE, Lake County, Florida, ZIP 34756.
Are there homes for sale in Harbar Oaks right now?
No active listings inside Harbar Oaks at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Harbar Oaks have an HOA or CDD?
No HOA is on record for Harbar Oaks in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Harbar OaksHomes for Sale in Montverde, FL with Momentum Realty’s local guides.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Lake County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Lake County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
HARBAR OAKS Market Scorecard
HARBAR OAKS is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34756 ZIP is $707,134, about 13.8% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.