Harbor Isle
Homes for Sale in Windermere, FL
All 255 homes for sale in WINDERMERE, FL · median $930,000 · 176 homes for sale in 34786 · Orange County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Harbor Isle in Windermere, FL has 1 home for sale. As of September 2026, the MLS records 15 closed sales in Harbor Isle in Windermere, FL since 2004, the most recent in May 2026. Across Windermere as a whole, 426 homes closed in the last 12 months at a median of $640,000, 37 median days on market, with 100 homes for sale today. At that median and Orange County's FY2025-26 rate of 16.67 mills, annual property tax runs about $10,670 ($10,000 with the full homestead exemption).
Harbor Isle right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of August 2, 2026. Confidence: Low (1 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The market around Harbor Isle
Harbor Isle is a small community — 48 recorded sales on file, most recently in 2024 — too few for its own price trend. Here is the market around it.
In ZIP 34786, 320 homes are on the market and 26% are under contract — a steady corner of Windermere.
Across Orange County, 5,873 homes are active and 2,054 pending (26% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Harbor Isle specifically. Momentum Research analysis of MLS records.
Life at Harbor Isle
- Gated · reported on 2 of 2 listings
- Community Mailbox · reported on 2 of 2 listings
- Deed Restrictions · reported on 2 of 2 listings
- Gated Community - No Guard · reported on 2 of 2 listings
- Special Community Restrictions · reported on 2 of 2 listings
- Gated Community · reported on 1 of 2 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
The Harbor Isle buying strategy.
If we were buying in Harbor Isle 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Harbor Isle.
A closer look at the Harbor Isle market
Inventory runs at 12.0 months of supply, a buyer-leaning market.
The housing stock is 21 homes built between 1996 and 2023, and 81% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Harbor Isle. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- HOA dues reported around $250/month (about $3,000/yr) · median of 6 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $250 per month ($3,000 a year) - the median AssociationFee across 6 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Harbor Isle 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 Harbor Isle sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Isle, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Isle home worth?
Get a no-obligation home value based on real comparable sales in Harbor Isle, 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 homes for sale in Harbor Isle on the map →
Recently off market in HARBOR ISLE
Homes in HARBOR ISLE that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 3013 Seigneury Drive · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Orange 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 · Orange 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.
HARBOR ISLE Market Scorecard
HARBOR ISLE is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34786 ZIP is $706,166, about 7.6% 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.
Frequently Asked Questions
Is Harbor Isle a buyer's or seller's market right now?
How many homes are in Harbor Isle?
What share of Harbor Isle is owner-occupied?
When were the homes in Harbor Isle built?
Do cash buyers compete in Harbor Isle?
Who is the best real estate agent for Harbor Isle?
How do I find a top Windermere real estate agent who knows Harbor Isle?
Can Momentum Realty connect me with an agent for Harbor Isle?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2004 (15 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 your area comps.
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More Windermere & Orlando & Orange County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Orlando & Orange County or the full Neighborhood Finder.
See how HARBOR ISLE fits the bigger picture — live prices, inventory, and Momentum Scores:
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