Harbor Oakis Homeowners Cooperative
Homes for Sale in Fruitland Park, FL
All 89 homes for sale in FRUITLAND PARK, FL · median $325,000 · 82 homes for sale in 34731 · Lake County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 1 closed sale in Harbor Oakis Homeowners Cooperative Sub in Fruitland Park, FL, the most recent in May 2026. Across Fruitland Park as a whole, 75 homes closed in the last 12 months at a median of $295,990, 78 median days on market, with 30 homes for sale today. At that median and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $4,930 ($4,260 with the full homestead exemption).
There is no active inventory in Harbor Oakis as of this snapshot, so there is no current price signal to read. What we can read is structure: this is a cooperative subdivision with deed restrictions and a buyer approval requirement, which means resale here works differently than a standard fee-simple purchase and the approval step is part of the timeline, not an afterthought.
For a seller, zero active listings can mean a tight window to be the only option buyers see, or it can mean thin demand - those look identical from the outside. For a buyer, it means patience: watching for a listing to surface and understanding the cooperative's approval process before assuming a target closing date.
Nearby homes for sale
No active listings inside Harbor Oakis Homeowners Cooperative Sub 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 Oakis is a deed-restricted cooperative subdivision in Fruitland Park, Lake County, built around a clubhouse, pool, and shuffleboard court, with golf carts permitted on-site.
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 Oakis Homeowners Cooperative is best for.
Best for
- A buyer comfortable with cooperative ownership rules and a required approval process
- Someone prioritizing shared amenities (pool, clubhouse, shuffleboard) and maintenance coverage over a large private yard
- A buyer willing to wait and watch for a listing in a market currently showing no active inventory
Probably not for
- A buyer who wants a conventional fee-simple purchase with no HOA approval step
- Anyone needing to close on a specific date with a listing already in hand
- A buyer who wants to skip verifying rules directly with the HOA before writing an offer
The market around Harbor Oakis Homeowners Cooperative
Harbor Oakis Homeowners Cooperative is too small for its own price trend, so here is the market around it.
In ZIP 34731, 97 homes are on the market and 13% are under contract — a slower corner of Fruitland Park.
Across Lake County, 3,179 homes are active and 1,077 pending (25% under contract).
In ZIP 34731 (FRUITLAND PARK), 91 homes closed in the last 12 months at a median of $296K ($172/sq ft), up 3.2% year over year, with a median 79 days on market. Right now 31 active and 7 pending listings put supply at about 5.7 months - a buyer's market. See the live ZIP 34731 housing market and the Lake County market.
ZIP and county figures describe the wider market, not Harbor Oakis Homeowners Cooperative specifically. Momentum Research analysis of MLS records.
Life at Harbor Oakis Homeowners Cooperative
- Clubhouse · reported on 1 of 1 listings
- Maintenance · reported on 1 of 1 listings
- Pool · reported on 1 of 1 listings
- Shuffleboard Court · reported on 1 of 1 listings
- Buyer Approval Required · reported on 1 of 1 listings
- Deed Restrictions · reported on 1 of 1 listings
- Golf Carts OK · reported on 1 of 1 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 Oakis Homeowners Cooperative buying strategy.
If we were buying in Harbor Oakis Homeowners Cooperative 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 Oakis Homeowners Cooperative.
A cooperative structure, not a standard HOA
The word cooperative in the community's name is not incidental. Buyer approval is required here, which is a real step in the purchase process beyond financing - it needs to be understood and planned for before a contract is written, not discovered during it.
The amenity set - clubhouse, pool, shuffleboard court, maintenance coverage - points to a low-maintenance, resort-style setup rather than a large-lot, yard-heavy layout. Golf carts being permitted also tells you something about how the community is laid out and used day to day. With no active listings at this snapshot, anyone interested should treat this as a watch-list community and confirm current rules directly with the HOA before assuming anything about access or process.
The location and the amenities are priced into every listing in Harbor Oakis Homeowners Cooperative. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Cooperative subdivisions like this one carry approval steps and governing rules that differ from a typical deed-restricted community, and getting the timeline wrong can cost a buyer a contract. We walk clients through the approval requirement up front, confirm current amenities and rules with the HOA before writing an offer, and watch for listings the moment they surface in a market with zero current inventory.
Harbor Oakis Homeowners Cooperative in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $125/month (about $1,500/yr) · median of 3 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $125 per month ($1,500 a year) - the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed monthly. 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 Oakis Homeowners Cooperative 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 Oakis Homeowners Cooperative sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Oakis Homeowners Cooperative, 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 Oakis Homeowners Cooperative home worth?
Get a no-obligation home value based on real comparable sales in Harbor Oakis Homeowners Cooperative, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Should you buy in Harbor Oakis Homeowners Cooperative?
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 2026 (1 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.
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See how Harbor Oakis Homeowners Cooperative fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Harbor Oakis Homeowners Cooperative
Where is Harbor Oakis Homeowners Cooperative?
Harbor Oakis Homeowners Cooperative is a community in FRUITLAND PARK, Lake County, Florida, ZIP 34731.
Are there homes for sale in Harbor Oakis Homeowners Cooperative right now?
No active listings inside Harbor Oakis Homeowners Cooperative 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 Oakis Homeowners Cooperative have an HOA or CDD?
No HOA is on record for Harbor Oakis Homeowners Cooperative 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 Oakis Homeowners Cooperative 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.
HARBOR OAKIS HOMEOWNERS COOPERATIVE SUB Market Scorecard
HARBOR OAKIS HOMEOWNERS COOPERATIVE SUB is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34731 ZIP is $297,214, about 6.0% below 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.