Harbor Oaks
Homes for Sale in Tarpon Springs, FL
All 292 homes for sale in Tarpon Springs, FL · median $422,500 · 184 homes for sale in 34689 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of September 2026, Harbor Oaks I in Tarpon Springs, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $424,800, $287 per square foot, a median 7 days on market, sellers accepting 100% of original asking (-9% versus the prior year). Homes listed or recently sold were built 2000 - 2001; 7 of 7 report an HOA (median $38/mo). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $8,240 ($7,420 with the full homestead exemption).
| Location | Tarpon Springs, Pinellas County, FL · ZIP 34689 |
|---|---|
| Homes in the community | 57 (FL DOR 2025 assessment roll) |
| Years built | 2000–2001 (median 2000) |
| Typical living area | 1,897 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Deed Restrictions, Golf Carts OK, Playground |
| Sale prices, last 12 months | $424,800 median across 3 closed sales · $287 per sq ft · -8.8% vs the prior 12 months |
| Days on market (closed sales) | 7 median |
| For sale right now | 1 active, 0 pending · median asking $549,000 · 2.0 months of supply |
| Owner-occupied (homestead) share | 82% |
| Zoned public schools | Pinellas County Schools (verify by address); Confirm zoned elementary, middle, and high; Belleair Elementary and Clearwater High commonly serve the area, confirm |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Oaks I key facts,” movewithmomentum.com/neighborhoods/harbor-oaks-i, data as of September 20, 2026.
Last 30 days in Harbor Oaks: 1 new listing (median asking $525,000). As of September 27, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Harbor Oaks right now
🟡 Balanced market. 2.0 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 20, 2026. Confidence: Low (1 active and pending listings, 3 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($425K) is down 8.8% from the prior 12 months ($466K) and up 161% since 2012. With about 5 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 20. Confidence: Low (3 and 12 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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 market snapshot (as of September 20, 2026): the median sale price is about $425K ($287 per sq ft over the trailing 12 months of closed sales), a median 7 days on market for closed sales, and 2.0 months of supply, a balanced market. The trailing-12-month median is down 9% from the prior 12 months and up 161% since 2012, computed from record-level Stellar MLS closed sales (3 closings in the current window).
In ZIP 34689 (Tarpon Springs), 444 homes closed in the last 12 months at a median of $390K ($244/sq ft), down 4.9% year over year, with a median 67 days on market. Right now 95 active and 24 pending listings put supply at about 4.4 months - a buyer's market. See the live ZIP 34689 housing market and the Pinellas County market.
County records show 10 qualified sales in Harbor Oaks across 2024 - 2025 (6 in 2024, 4 in 2025), median $472,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbor Oaks is a community of 57 homes in Tarpon Springs, Pinellas County, built between 2000 and 2001 (median 2000), with a median living area of about 1,897 square feet. 82% 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. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Harbor Oaks; 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 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($425K) IS the median in the snapshot above, and the move from 2025 ($466K) IS the -8.8% one-year change.
Windows contain 0 to 12 sales each (3 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 2005 through 2026. Deemed reliable but not guaranteed.
22% of homes for sale in ZIP 34689 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-25).
Harbor Oaks Market Scorecard
Harbor Oaks is currently a balanced market. About 2.0 months of supply, a median asking price of $549,000, and homes go under contract in about 22 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Harbor Oaks I, Tarpon Springs
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.
Homes For Sale Right Now in Harbor Oaks
Live MLS inventory for Harbor Oaks. 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 listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Tap any home to ask about it.
Every Home for Sale in Harbor Oaks I Right Now (1)
All 1 active and pending Harbor Oaks I listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1702 Meadow Oak Lane · $525,000 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Re/Max Realtec Group Inc
Harbor Oaks 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.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Belleair Elementary and Clearwater High commonly serve the area, confirm · By address
Zoned schools reflect the assignments reported on recent Harbor Oaks listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Harbor Oaks address.
Shop the zone: Homes zoned for Tarpon Springs High-Pn High School
The Harbor Oaks buying strategy.
If we were buying in Harbor Oaks 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.
A closer look at the Harbor Oaks market
At a median of $287 per square foot, Harbor Oaks 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 2.0 months of supply, a balanced market and the trailing-12-month median down 9% year over year. Homes that do trade take a median 7 days on market, useful leverage on any listing that has lingered.
The housing stock is 57 homes built between 2000 and 2001, and 82% 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. 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 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 5 factors (7.9). Basis: Long-Term Appreciation +161% since 2012; Recent Direction -8.8% year-over-year; Liquidity & Demand 2.0 months of supply; Owner Commitment 82% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $38/month (about $456/yr) · median of 109 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $38 per month ($456 a year) - the median AssociationFee across 109 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 Oaks 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Harbor Oaks, 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 Tarpon Springs →
Recently off market in Harbor Oaks I
Homes in Harbor Oaks I 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.
- 1648 Harbor Oaks Drive · off market
Frequently Asked Questions
What is the median home price in Harbor Oaks?
How long do homes in Harbor Oaks take to sell?
Is Harbor Oaks a buyer's or seller's market right now?
How many homes are in Harbor Oaks?
What share of Harbor Oaks is owner-occupied?
When were the homes in Harbor Oaks built?
Have Harbor Oaks home prices gone up?
What schools serve Harbor Oaks?
Who is the best real estate agent for Harbor Oaks?
How do I find a top Tarpon Springs real estate agent who knows Harbor Oaks?
Can Momentum Realty connect me with an agent for Harbor Oaks?
Where is Harbor Oaks, and what county is it in?
Is Harbor Oaks a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34689)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2005 (90 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 local comps.
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See how Harbor Oaks I fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Harbor Oaks with Momentum Realty’s local guides.