Harbor Isles
Homes for Sale in Cocoa Beach, FL
All 207 homes for sale in Cocoa Beach, FL · median $550,000 · 220 homes for sale in 32931 · Brevard County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 18 closed sales in Harbor Isles Ii Ph Iii in Cocoa Beach, FL since 2005, the most recent in July 2026. Across Cocoa Beach as a whole, 134 homes closed in the last 12 months at a median of $585,000, 53 median days on market, with 47 homes for sale today. At that median and Brevard County's FY2025-26 rate of 15.6 mills, annual property tax runs about $9,130 ($8,510 with the full homestead exemption).
Part of Harbor Isles, Cocoa Beach, FL — see all Harbor Isles homes for sale (5 listings across 7 sections in the MLS).

Harbor Isles Ii Ph Iii is a small pocket in Cocoa Beach, and with only a single closing in the current window, there isn't a broad price trend to lean on here. What sets value in a subdivision this compact is the individual home: its condition, its position within the neighborhood, and its proximity to the water and the beach that define Cocoa Beach as a whole. Two homes here can trade very differently based on updates and layout alone.
For a buyer, that thin data means pricing is negotiated case by case rather than dictated by a deep run of comparable sales — do your homework on the specific property. For a seller, it means the last sale matters and your home's presentation carries more weight than usual, because there is little recent activity to anchor an appraiser or a buyer's expectations.
Nearby homes for sale
No active listings inside Harbor IslesHomes for Sale in Cocoa Beach, FL 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
Harbor Isles Ii Ph Iii is a small residential enclave in Cocoa Beach, in Brevard County, with no shared community amenities identified in current MLS listings — the draw here is the barrier-island location itself rather than on-site facilities.
Space Coast MLS sales records identify 57 homes in Harbor Isles that have changed hands since 2005, built between 1985 and 1999 (median 1995), with a median living area of about 1,401 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: Space Coast 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 Harbor Isles is best for.
Best for
- Buyers set on a Cocoa Beach barrier-island location who can be patient about timing
- Buyers comfortable evaluating a home on its own condition rather than a deep comp set
- Buyers who don't need shared amenities and prefer to pay for the house and the setting
Probably not for
- Buyers who want a resort-style amenity package built into the community
- Buyers who need a large, active inventory to compare and choose from
- Buyers who want a well-established price trend to guide their offer
The market around Harbor Isles
Harbor Isles is too small for its own price trend, so here is the market around it.
In ZIP 32931, 270 homes are on the market and 17% are under contract — a slower corner of Cocoa Beach.
Across Brevard County, 4,132 homes are active and 1,477 pending (26% under contract).
In ZIP 32931 (Cocoa Beach), 395 homes closed in the last 12 months at a median of $329K ($211/sq ft), up 3.2% year over year, with a median 39 days on market. Right now 91 active and 27 pending listings put supply at about 3.6 months — a balanced market. See the live ZIP 32931 housing market and the Brevard County market.
ZIP and county figures describe the wider market, not Harbor Isles specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Harbor Isles Ii Ph Iii, Cocoa Beach
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on information from the Space Coast MLS for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
The Harbor Isles buying strategy.
If we were buying in Harbor Isles 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 Harbor Isles.
A thin-data Cocoa Beach pocket
This is a low-turnover community, and the current snapshot reflects that: one closing in the window and no amenities listed at the community level. That profile rewards patience. Inventory appears sporadically, so the right home is a function of timing as much as budget, and waiting for the specific floor plan or location you want is often the smarter play than forcing a purchase.
Because there is no HOA amenity package driving value, the money follows the house and the setting. In Cocoa Beach, that means water access, proximity to the beach, and the condition of the structure itself do the heavy lifting on price. Evaluate each listing on its own merits — the neighborhood average tells you little when the sample is this small.
The location and the amenities are priced into every listing in Harbor Isles. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with almost no recent sales, generic pricing tools break down and local judgment matters. We read the individual property against the broader Cocoa Beach barrier-island market, help you weigh condition and location honestly, and tell you plainly when a listing is priced ahead of what the thin data can support.
Harbor Isles 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 Harbor Isles 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 Isles sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Isles, 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 Isles home worth?
Get a no-obligation home value based on real comparable sales in Harbor Isles, 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 Cocoa Beach →
Should you buy in Harbor Isles?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Space Coast MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (18 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 Space Coast 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 Space Coast MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Harbor Isles Ii Ph Iii fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Harbor Isles
Where is Harbor Isles?
Harbor Isles is a community in Cocoa Beach, Brevard County, Florida, ZIP 32931.
Are there homes for sale in Harbor Isles right now?
No active listings inside Harbor Isles at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Harbor Isles have an HOA or CDD?
No HOA is on record for Harbor Isles 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 Harbor IslesHomes for Sale in Cocoa Beach, FL with Momentum Realty’s local guides.







