Aerial view of Harbor Oaks

Harbor Oaks
Homes for Sale in Jacksonville, FL

All 4,477 homes for sale in Jacksonville, FL · median $299,999 · 160 homes for sale in 32207 · Duval County homes for sale

Community in Jacksonville · Duval County · ZIP 32207
58 homesBuilt 1947–2003Median sale $355K
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Built fromLive realMLS data25 years of closingsFL DOR public recordsUpdated twice daily

Over the 12 months ending 2026-10-20, 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 (+12% versus the prior year). 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).

Live · Harbor Oaks Housing Pulse realMLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$355K ▲
Median sold · 12 mo
up 12.0% vs the prior 12 months
+12.0% ▲
1-yr price change
n = 5 and 3 sales in the two windows
$247/sf
Sold $/sqft · 12 mo
peak $247 in 2026
97.4%
Sale vs ask
Duval median: 96.2%
Tempo
51days
Median DOM · closed
4 days at the 2025 low
5
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
86%
Owner-occupied · Harbor Oaks
50 of 58 parcels homesteaded (FL DOR 2025)
14%
Non-owner-occupied · Harbor Oaks
incl. 10% trust or LLC-held · 0% out-of-state
58
Homes in the community
58 residential parcels (FL DOR 2025)
Track record · 25 years of records
4
Recorded sales · 2024-2025
median $447K · qualified sales on the county roll (FL DOR 2025)
1947–2003
Years homes were built
median 1950 · county roll (FL DOR 2025)
1,668sqft
Median sold home size
12-mo windows, closed sales
8.6%/yr
Turnover rate
about 5 of 58 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 12, 2026

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 Housing Pulse · Momentum Research · as of October 20, 2026

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 October 20. Confidence: Low (5 and 3 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 20, 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.

1503 GAY Avenue
$750K · 0.2 mi away
3 bd · 2 ba · 1,910 sqft
1503 GAY Avenue
Listed by LMH REALTY LLC
1428 GAY Avenue
$229K · 0.2 mi away
2 bd · 1 ba · 800 sqft
1428 GAY Avenue
Listed by REMAX WELCOME HOME
3719 LILLY Road
$275K · 0.3 mi away
3 bd · 2 ba · 1,716 sqft
3719 LILLY Road
Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE
1353 LIVE OAK Lane
$339K · 0.5 mi away
3 bd · 2 ba · 2,220 sqft
1353 LIVE OAK Lane
Listed by COASTAL REALTY JAX
2221 E HOME PARK Circle
$275K · 0.5 mi away
3 bd · 2 ba · 1,438 sqft
2221 E HOME PARK Circle
Listed by HASSLE-FREE REALTY LLC
2229 HOME PARK Circle
$135K · 0.5 mi away
2 bd · 1 ba · 782 sqft
2229 HOME PARK Circle
Listed by LA ROSA REALTY NORTH FLORIDA, LLC.

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 October 20, 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), 559 homes closed in the last 12 months at a median of $320K ($187/sq ft), down 0.4% year over year, with a median 31 days on market. Right now 136 active and 53 pending listings put supply at about 14.3 months — a buyer's 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.

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

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.

Every sale since 2001 · price vs size
$0$500K$1M$1.5M2k3k4k
38 closed sales; green = recent. Size sets the floor, condition and lot set the rest.
Homes sold per 12-mo window
02420122014201620182020202220242026
0 to 5 a year; 5 in the current window.
How much local inventory is already under contract

26% 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 (2026-10-20).

If we were buying in Harbor Oaks today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers who want a settled, established Jacksonville neighborhood with mid-century character and real square footage.
Biggest Risk
Older housing stock means condition and systems drive value more than the headline median suggests.
Sweet Spot
An updated home near the ~1,992 sqft median bought after a thorough inspection.
Avoid If
You need a turnkey build with new construction and zero deferred maintenance.

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.

Jon Brooks · Founder, Momentum Realty
8.6A- · Buy Score
Recent Direction9.0/10
Owner Commitment8.6/10
Pricing Power8.3/10

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.

Best forBuyers who want a settled, established Jacksonville neighborhood with mid-century character and real square footage.
Biggest advantageA stable, largely owner-occupied core and homes that move fast when priced right.
Biggest riskOlder housing stock means condition and systems drive value more than the headline median suggests.
Sweet spotAn updated home near the ~1,992 sqft median bought after a thorough inspection.
Avoid ifYou need a turnkey build with new construction and zero deferred maintenance.
The takeaway

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.

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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Real comps, not an automated estimate.

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.

Active inventory in distress
0.0%
0 of 2 listings
Distress share trend — 0.0% now (2026-09-04 → 2026-10-19)

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.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

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.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

What is the median home price in Harbor Oaks?
The median sale price in Harbor Oaks was $355K over the 12 months ending October 20, 2026 (5 closed sales, realMLS).
How long do homes in Harbor Oaks take to sell?
Homes that closed in the 12 months ending October 20, 2026 took a median 51 days on market (5 sales, realMLS).
How many homes are in Harbor Oaks?
The Florida DOR 2025 assessment roll shows 58 homes in Harbor Oaks (public records).
What share of Harbor Oaks is owner-occupied?
86% of Harbor Oaks parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Harbor Oaks built?
Homes in Harbor Oaks were built between 1947 and 2003, with a median year built of 1950.0 (FL DOR 2025 roll).
Who is the best real estate agent for Harbor Oaks?
The best agent for Harbor Oaks is one who actively works Jacksonville and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Harbor Oaks.
How do I find a top Jacksonville real estate agent who knows Harbor Oaks?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Harbor Oaks and the wider Jacksonville area.
Can Momentum Realty connect me with an agent for Harbor Oaks?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Harbor Oaks purchase or sale - no call center and no pressure.
Where is Harbor Oaks, and what county is it in?
Harbor Oaks is in Jacksonville, Duval County, FL, ZIP 32207. The community's center is about 2 miles southeast of downtown Jacksonville (straight-line).
How far is Harbor Oaks from downtown Jacksonville and the beach?
About 2 miles from downtown Jacksonville and about 14 miles from the Atlantic beach at Atlantic Beach, both straight-line; driving distance is usually 15 to 30 percent more.
Is Harbor Oaks a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about Harbor Oaks: the median sale price over the last 12 months was $355K (5 sales), 13% above the Jacksonville median of $315K; homes took a median 51 days to go under contract; the assessment roll counts 58 homes, 86% of them homesteaded (owner-occupied). The full numbers, price history and the flood and school sections are above.
Buyers targeting the mid-$400s who want space and are comfortable evaluating older homes on conditionExcellent fit
Renovation-minded buyers willing to take on a project priced below the updated end of the marketExcellent fit
Owner-occupants prioritizing a stable, established setting over a fast-turnover areaExcellent fit
Buyers who want new or near-new construction with modern systems throughoutProbably not
Anyone needing a wide menu of listings to choose from at any given momentProbably not
Buyers who can't move quickly, given a median time to contract near two weeksProbably not

Data sources & freshness

Community market statsrealMLS closed sales, 12-month windows ending October 20, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (3 streets, ZIP 32207/32225/32258))
Under-contract sharesrealMLS records, as of 2026-10-20
Historical depthClosed-sale records back to 2001 (38 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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Nearby Communities

Explore more neighborhoods near Harbor Oaks with Momentum Realty’s local guides.

Mayfair0.1 mi away · 77 homes, built 1914–20Bagley Grant0.2 mi away · 15 homes, built 1926–24FFerndale0.3 mi away · 24 homes, built 1950–58MPMayfair Place0.3 mi away · 159 homes, built 1914–22, 1 for salePreserve At St Nicholas0.3 mi awayHogan Richard Grants0.5 mi awayLOLive Oak Manor0.5 mi away · 24 homes, built 1949–53, 1 for sale

Browse all neighborhood guides →

Schools serving nearby communities

We do not have a confirmed school assignment for Harbor Oaks. These are the public schools most often assigned to other communities in ZIP 32207; zones change and vary by address, so confirm with the district before you buy.

Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).

Thinking of selling in Harbor Oaks? 5 recorded closings; median 51 days on market (window ending 2026-10-20). See the Duval County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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