Harbor Oaks
Homes for Sale in Tarpon Springs, FL
All 301 homes for sale in Tarpon Springs, FL · median $400,000 · 206 homes for sale in 34689 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of November 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. Homes listed or recently sold were built 2000 - 2001; 6 of 6 report an HOA (median $38/mo); none of the 6 geocoded homes sit in a FEMA special flood hazard zone (median elevation 21 ft). 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).
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 November 6, 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 2.6 months - a balanced 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
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Harbor OaksPhotos 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.
18% 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 (2026-11-06).
Harbor Oaks Market Scorecard
Harbor Oaks is currently a balanced market. About 2.0 months of supply, a median asking price of $549,000.
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.
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 2026-11-02, 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.
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 contributors.
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
Recent Developments in Harbor Oaks I
Development, infrastructure, retail, and school activity affecting Harbor Oaks I, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- October 2026Development
ClearView apartments complete at $1 billion Echelon City Center in St. Petersburg
The 363-unit ClearView community, with ground-floor retail, is complete within the Echelon City Center development by Third Lake Partners and Echelon. A 3rd & 3rd residential high-rise with ground-floor retail is expected to open in the first quarter of 2027.
What it may mean for the marketNew downtown apartments and walkable retail add rental inventory and amenities in central St. Petersburg. The project is about 16 miles south of Harbor Oaks I, elsewhere in Pinellas County.
Source: Tampa Bay Business and Wealth - August 2026Infrastructure
Four firms vie to build Tampa International Airport's $150 million control tower
TPA narrowed the field to four builders for a new blast-resistant air traffic control tower on about 2 acres northwest of the main terminal. The budget is about $150 million, with board selection expected Oct. 1 and substantial completion targeted for March 2029.
What it may mean for the marketAirport capital spending supports construction employment and long-term air service capacity for the region. The site is about 11 miles east of Harbor Oaks I.
Source: Tampa Bay Business and Wealth - July 2026Development
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
What it may mean for the marketAdvances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 16 miles south of Harbor Oaks I, elsewhere in Pinellas County.
Source: St Pete Catalyst - July 2026Infrastructure
St. Pete approves temporary downtown dock for Tampa Bay ferry
The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.
What it may mean for the marketEstablishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The project is about 16 miles south of Harbor Oaks I, elsewhere in Pinellas County.
Source: FOX 13 Tampa Bay - July 2026Development
Blake-Related team selected to redevelop 86-acre Historic Gas Plant District
St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.
What it may mean for the marketAdds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The project is about 16 miles south of Harbor Oaks I, elsewhere in Pinellas County.
Source: Florida YIMBY
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
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.
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
| Location | Tarpon Springs, Pinellas County, FL · ZIP 34689 |
|---|---|
| Homes in the community | 157 (FL DOR 2025 assessment roll) |
| Years built | 1999–2002 (median 2000) |
| Typical living area | 2,144 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Deed Restrictions, Golf Carts OK, Playground |
| For sale right now | 0 active, 1 pending |
| Owner-occupied (homestead) share | 85% |
| 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 November 6, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Oaks key facts,” movewithmomentum.com/neighborhoods/harbor-oaks-i, data as of November 6, 2026.
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 October 2026 through October 2026. Deemed reliable but not guaranteed.
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 · pending · listed Sep 10, 2026 · listed by Re/Max Realtec Group Inc
Recently sold in Harbor Oaks I
- 1674 Meadow Oak Lane · sold $492,000
- 1648 Harbor Oaks Drive · sold $370,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Tarpon Springs home searches
- All homes for sale in Tarpon Springs, FL
- Homes for sale in Pinellas County, FL
- Gated communities in Tarpon Springs
- Homes under $300K in Tarpon Springs
- Tarpon Springs home values: what is my house worth?
Tarpon Springs guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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What it really costs to own in Harbor Oaks
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $458/year (about $38/month) across 6 MLS listings (most billed annually; 2026-11-06). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 2000 across 6 listings. An original roof here would be about 26 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Harbor Oaks
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Harbor Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbor Oaks will answer, and the answer is published on this page for the next buyer.
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?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 2, 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.
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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. A Momentum agent can 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:
More on Harbor Oaks
- Home values · What homes in Harbor Oaks actually sell for
