Harbor Oaks Homeowners
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 in Fruitland Park, FL has 1 home for sale. Harbor Oaks Homeowners is a community in Fruitland Park, Lake County, FL. 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).
The market around Harbor Oaks Homeowners
Harbor Oaks Homeowners is too small for its own price trend, so here is the market around it.
Across Lake County, 3,162 homes are active and 1,106 pending (26% under contract).
ZIP and county figures describe the wider market, not Harbor Oaks Homeowners specifically. Momentum Research analysis of MLS records.
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 OAKS HOMEOWNERS Market Scorecard
HARBOR OAKS HOMEOWNERS is currently a thin data market. Limited supply, a median asking price of $137,997, and homes go under contract in about 185 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.
Homes For Sale Right Now in Harbor Oaks Homeowners
Live MLS inventory for Harbor Oaks Homeowners. 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 listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID. Tap any home to ask about it.
Life at Harbor Oaks Homeowners
- Clubhouse · reported on 1 of 1 listings
- Pool · reported on 1 of 1 listings
- Storage · 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 Oaks Homeowners buying strategy.
If we were buying in Harbor Oaks Homeowners 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.
The location and the amenities are priced into every listing in Harbor Oaks Homeowners. The deal is won or lost on condition, the comps, and the renovation math.
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 Oaks Homeowners 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Harbor Oaks Homeowners, 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 Oaks Homeowners on the map →
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-08-18 |
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.
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.
More Fruitland Park & Lake County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Lake County or the full Neighborhood Finder.
See how HARBOR OAKS HOMEOWNERS fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Harbor Oaks Homeowners
Where is Harbor Oaks Homeowners?
Harbor Oaks Homeowners is a community in FRUITLAND PARK, Lake County, Florida.
Are there homes for sale in Harbor Oaks Homeowners right now?
Yes - 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Harbor Oaks Homeowners have an HOA or CDD?
No HOA is on record for Harbor Oaks Homeowners 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 Oaks Homeowners with Momentum Realty’s local guides.