Harbor Oaks
Homes for Sale in Jacksonville, FL
All 4,360 homes for sale in Jacksonville, FL · median $300,000 · 154 homes for sale in 32207 · Duval County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-11-10, 5 recorded sales closed at a median of $355,000, $247 per square foot, a median 51 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 1948–2003. At the median price and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $6,340 ($5,610 with the full homestead exemption).
Harbor Oaks is an older, established pocket where the housing stock runs from the late 1940s through the early 2000s, with a median build year of 1950. That age spread is the story on price: at a median of $421,500 and roughly $221 per square foot, what you pay tracks condition and how much updating a given home has already absorbed. Two houses on the same street can sit far apart in value depending on systems, kitchens, and whether the original footprint has been touched.
The market posture right now is brisk but not frantic. A median of about 16 days to contract tells you well-prepped, fairly priced homes move quickly, so buyers should come ready to decide and sellers should not over-anchor on an aspirational number. With a high homestead share, this is a lived-in, owner-occupied area rather than a churn of rentals, which tends to keep inventory tighter and turnover measured.
Figures in this note are as of July 12, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Harbor Oaks right now
🟢 Still climbing. The trailing-12-month median ($355K) is up 12.0% from the prior 12 months ($317K). With about 2 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 realMLS closed sales, 12-month windows ending November 10. Confidence: Low (5 and 3 sales in the two windows).
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· Updated November 11, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Harbor Oaks 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 Oaks market snapshot (as of November 10, 2026): the median sale price is about $355K ($247 per sq ft over the trailing 12 months of closed sales), and a median 51 days on market for closed sales. The trailing-12-month median is up 12% from the prior 12 months, computed from record-level realMLS closed sales (5 closings in the current window).
In ZIP 32207 (Jacksonville), 542 homes closed in the last 12 months at a median of $322K ($190/sq ft), up 3.7% year over year, with a median 29 days on market. Right now 145 active and 47 pending listings put supply at about 3.2 months — a healthy market. See the live ZIP 32207 housing market and the Duval County market.
County records show 4 qualified sales in Harbor Oaks across 2024–2025 (2 in 2024, 2 in 2025), median $447,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbor Oaks is a community of 58 homes in Jacksonville, Duval County, built between 1947 and 2003 (median 1950.0), with a median living area of about 1,992 square feet. 86% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harbor Oaks is a mature Jacksonville neighborhood in Duval County built out largely mid-century, where a median home near 1,992 square feet gives you real space in a settled setting. The pricing here rewards diligence on condition more than it does square footage alone.
Who Harbor Oaks is best for.
Best for
- Buyers targeting the mid-$400s who want space and are comfortable evaluating older homes on condition
- Renovation-minded buyers willing to take on a project priced below the updated end of the market
- Owner-occupants prioritizing a stable, established setting over a fast-turnover area
Probably not for
- Buyers who want new or near-new construction with modern systems throughout
- Anyone needing a wide menu of listings to choose from at any given moment
- Buyers who can't move quickly, given a median time to contract near two weeks
22% of homes for sale in ZIP 32207 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 (2026-11-11).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending November 10 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($355K) IS the median in the snapshot above, and the move from 2025 ($317K) IS the +12.0% one-year change.
Windows contain 0 to 5 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
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.
Age, condition, and the spread beneath the median
With original construction reaching back to 1947 and a median year built of 1950, most of what trades here has decades of history and, often, at least one prior renovation cycle. That makes inspection quality the pivotal variable: roof age, electrical, plumbing, and foundation notes can swing a deal more than curb appeal. The $220.76 median price per square foot is a blended figure — expect updated homes to command more and projects to sell for less.
The homestead share above 86 percent points to a stable, owner-occupied core across the 58 homes tracked in this snapshot. Combined with a median time to contract around 16 days, that stability means listings that are priced and presented well don't linger. Buyers who need time to deliberate, or who want a large menu of options at once, will find the pace and the inventory count demanding.
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 3 factors (8.6). Basis: Recent Direction +12.0% year-over-year; Owner Commitment 86% owner-occupied; Pricing Power 97.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a neighborhood this old, the difference between a good buy and an expensive lesson is knowing which homes have had real work done and which have had cosmetics thrown over aging systems. We read the condition behind the price per square foot, price sellers to the fast contract timeline rather than an inflated hope, and keep buyers moving quickly enough to compete when the right house lists.
Harbor Oaks in 15 seconds.
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.
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Housing distress & ownership in Harbor Oaks, Jacksonville
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. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
Recently sold in Harbor Oaks Jacksonville
- 1526 Harbor Oaks Road · sold $239,000
- 1437 Somerville Road · sold $355,000
- 3845 Harbor Drive · sold $1,775,000
- 1425 Somerville Road · sold $318,000
- 1440 Harbor Oaks Road · sold $525,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Somerville Road (7 homes on record)
- Mayfair Road (2 homes on record)
- Collins Creek Drive (1 homes on record)
- Hyannis Port Drive (1 homes on record)
Recent Developments in Harbor Oaks
Development, infrastructure, retail, and school activity affecting Harbor Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Development
Downtown board backs $49M incentive for 31-story Fleet Landing Riverside tower
The Downtown Investment Authority voted 7-0 on Oct. 21 to advance a $49.27 million, 20-year, 75% Recapture Enhanced Value Grant for Fleet Landing Riverside. The 31-story senior living tower is proposed at 111 Riverside Ave., the former Haskell headquarters site in Brooklyn. The item now goes to City Council.
What it may mean for the marketA large residential tower on the Riverside Avenue corridor would add construction activity and daily foot traffic to Brooklyn and the nearby Northbank, supporting nearby retail and dining demand. The site is about 3 miles west of Harbor Oaks.
Source: Jacksonville Today - October 2026Market
Northeast Florida home sales dip in September as inventory tightens
Closed sales across the six-county Northeast Florida Association of Realtors area fell 7.7% year over year to 1,608, with the median price at $398,566, up 2.8%. Active inventory dropped 18.4% to 6,348 homes. Median prices were $344,000 in Duval, $575,000 in St. Johns, $355,000 in Clay and $496,500 in Nassau.
What it may mean for the marketLower inventory with softer sales volume points to a thinner supply of listings across all four counties, with Clay the only one of the four showing a year-over-year price decline. The site is about 2 miles northwest of Harbor Oaks.
Source: Clay Today - October 2026Development
FSCJ opens large automated semiconductor training lab, a first for Florida
Florida State College at Jacksonville has built a fully automated lab it describes as the first of its kind in Florida for its size. Students train on electrical, robotics, mechatronics, AI inspection and control systems used in chip manufacturing. The college says it aims to help draw semiconductor companies to Northeast Florida and prepare workers for local manufacturers.
What it may mean for the marketA regional technical-training pipeline can support recruitment of advanced manufacturers, which would widen the local employment base. The site is about 2 miles northwest of Harbor Oaks.
Source: News4JAX - October 2026Retail & Dining
Council committee defers vote on incentives for Downtown Publix at 119 W. Beaver St.
The Finance Committee deferred a $49.65 million incentive package for Gateway Jax's $140.15 million high-rise anchored by a Publix at 119 W. Beaver St. The tower is planned with 259 apartments and about 400 parking spaces. The committee is scheduled to revisit the bill Nov. 4, the day after the Amendment 3 vote.
What it may mean for the marketThe timing of the first full-size grocery store in the Downtown core depends on the incentive vote, affecting nearby retail access. The site is about 3 miles northwest of Harbor Oaks.
Source: Jacksonville Today - September 2026Development
Gateway Jax seeks more than $70 million in city incentives for Riverfront Plaza tower and Hotel Merrydelle
Gateway Jax is requesting about $55.4 million in incentives for a 17-story, roughly $271.5 million Riverfront Plaza tower with 130 to 170 hotel rooms and 50 to 150 residences on Independent Drive. It also seeks a $15 million loan for the nearly $50 million renovation of the former Ambassador Hotel at 420 Julia Street. The Downtown Investment Authority board votes Sept. 16 and City Council has the final say.
What it may mean for the marketIf approved, the projects would add hotel rooms, residences and restaurants along the Downtown riverfront. The site is about 2 miles northwest of Harbor Oaks.
Source: Jacksonville Today - July 2026Development
Culinary Institute of America selects Jacksonville for Southeast campus
News4Jax reported that the Culinary Institute of America chose downtown Jacksonville for its Southeast hub, to be located at 330 E. Bay Street on the Northbank riverfront. The campus would anchor a $160.5 million hotel and convention center development. The city previously approved up to $35 million in incentives, and the Downtown Investment Authority is finalizing agreements on design and property details.
What it may mean for the marketAnchors a major downtown riverfront redevelopment that pairs an educational campus with hotel and convention space, adding institutional and commercial investment to the urban core alongside Riverfront Plaza and Pearl Square. The site is about 2 miles northwest of Harbor Oaks.
Source: News4Jax
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.
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Frequently Asked Questions
What is the median home price in Harbor Oaks?
How long do homes in Harbor Oaks take to sell?
How many homes are in Harbor Oaks?
What share of Harbor Oaks is owner-occupied?
When were the homes in Harbor Oaks built?
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Where is Harbor Oaks, and what county is it in?
How far is Harbor Oaks from downtown Jacksonville and the beach?
Is Harbor Oaks a good place to live?
Should you buy in Harbor Oaks?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | realMLS closed sales, 12-month windows ending November 10, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32207)) |
| Under-contract shares | realMLS records, as of 2026-11-10 |
| Historical depth | Closed-sale records back to 2011 (26 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 realMLS 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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