Harbor Oaks 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, Harbor Oaks Homeowners Cooperative Sub in Fruitland Park, FL has 3 homes for sale. Over the 12 months ending 2026-09-12, 10 recorded sales closed at a median of $159,000, $128 per square foot, a median 119 days on market, sellers accepting 91% of original asking (-3% versus the prior year). Homes listed or recently sold were built 1971 - 2016; 14 of 14 report an HOA (median $125/mo); none of the 12 geocoded homes sit in a FEMA special flood hazard zone (median elevation 64 ft). At the median price and Lake County's FY2025-26 rate of 16.65 mills, annual property tax runs about $2,650 ($1,980 with the full homestead exemption).
Homes For Sale Right Now in Harbor Oaks Homeowners Cooperative
Live MLS inventory for Harbor Oaks Homeowners Cooperative. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Harbor Oaks Homeowners Cooperative listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Tap any home to ask about it.
Harbor Oaks Homeowners Cooperative right now
🟡 Balanced market. 3.6 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.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 September 12, 2026. Confidence: Medium (3 active and pending listings, 10 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($159K) is down 3.0% from the prior 12 months ($164K). With about 3 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: Low (10 and 5 sales in the two windows).
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 60-Second Overview
Harbor Oaks Homeowners Cooperative market snapshot (as of September 12, 2026): the median sale price is about $159K ($128 per sq ft over the trailing 12 months of closed sales), a median 119 days on market for closed sales, and 3.6 months of supply, a balanced market. The trailing-12-month median is down 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (10 closings in the current window).
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.
Flood zones in Harbor Oaks Homeowners Cooperative: of 12 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov.
Harbor Oaks Homeowners Cooperative is a community of 116 homes in Fruitland Park, Lake County, built between 1971 and 2016 (median 1980.0), with a median living area of about 1,152 square feet. 64% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Harbor Oaks Homeowners Cooperative. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Harbor Oaks Homeowners CooperativePhotos from Stellar MLS listings in Harbor Oaks Homeowners Cooperative; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($159K) IS the median in the snapshot above, and the move from 2025 ($164K) IS the -3.0% one-year change.
Windows contain 0 to 10 sales each (10 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Deemed reliable but not guaranteed.
HARBOR OAKS HOMEOWNERS COOPERATIVE SUB Market Scorecard
HARBOR OAKS HOMEOWNERS COOPERATIVE SUB is currently a seller's market. About 3.3 months of supply, a median asking price of $179,900, and homes go under contract in about 57 days.
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.
Housing distress & ownership in Harbor Oaks Homeowners Cooperative Sub Fruitland Park, FRUITLAND PARK
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 Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Harbor Oaks Homeowners Cooperative on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Harbor Oaks Homeowners Cooperative
- Pool · reported on 13 of 14 listings
- Clubhouse · reported on 13 of 14 listings
- Golf Carts OK · reported on 13 of 14 listings
- Buyer Approval Required · reported on 11 of 14 listings
- Deed Restrictions · reported on 9 of 14 listings
- Association Recreation - Owned · reported on 7 of 14 listings
- Shuffleboard Court · reported on 6 of 14 listings
- Recreation Facilities · reported on 4 of 14 listings
- Spa/Hot Tub · reported on 3 of 14 listings
- Community Mailbox · reported on 2 of 14 listings
- Park · reported on 1 of 14 listings
- Wheelchair Access · reported on 1 of 14 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 Oaks Homeowners Cooperative buying strategy.
If we were buying in Harbor Oaks 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 Oaks Homeowners Cooperative.
A closer look at the Harbor Oaks Homeowners Cooperative market
At a median of $128 per square foot, Harbor Oaks Homeowners Cooperative prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 3.6 months of supply, a balanced market and the trailing-12-month median down 3% year over year. Homes that do trade take a median 119 days on market, useful leverage on any listing that has lingered.
The housing stock is 116 homes built between 1971 and 2016, and 64% 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 Oaks Homeowners Cooperative. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbor Oaks Homeowners Cooperative buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (5.5). Basis: Recent Direction -3.0% year-over-year; Liquidity & Demand 3.6 months of supply; Owner Commitment 64% owner-occupied; Pricing Power 91.0% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $125/month (about $1,500/yr) · median of 42 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 42 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 Oaks 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 Oaks 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 Oaks 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 Oaks Homeowners Cooperative home worth?
Get a no-obligation home value based on real comparable sales in Harbor Oaks 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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Recently off market in Harbor Oaks Homeowners Cooperative Sub
Homes in Harbor Oaks Homeowners Cooperative Sub 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.
- 15 Riverview Drive · off market
Frequently Asked Questions
What is the median home price in Harbor Oaks Homeowners Cooperative?
How long do homes in Harbor Oaks Homeowners Cooperative take to sell?
Is Harbor Oaks Homeowners Cooperative a buyer's or seller's market right now?
How many homes are in Harbor Oaks Homeowners Cooperative?
What share of Harbor Oaks Homeowners Cooperative is owner-occupied?
When were the homes in Harbor Oaks Homeowners Cooperative built?
Who is the best real estate agent for Harbor Oaks Homeowners Cooperative?
How do I find a top Fruitland Park real estate agent who knows Harbor Oaks Homeowners Cooperative?
Can Momentum Realty connect me with an agent for Harbor Oaks Homeowners Cooperative?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34731)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2015 (47 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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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 Harbor Oaks Homeowners Cooperative Sub fits the bigger picture — live prices, inventory, and Momentum Scores:
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