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
True comps, carrying-cost math, and listings before the portals.
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).

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 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.
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.
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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending October 20 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.
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).
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.
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Jacksonville guides & data
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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 (8 homes on record)
- Mayfair Road (2 homes on record)
- Collins Creek Drive (1 homes on record)
- Hyannis Port Drive (1 homes on record)
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?
How many homes are in Harbor Oaks?
What share of Harbor Oaks is owner-occupied?
When were the homes in Harbor Oaks built?
Who is the best real estate agent for Harbor Oaks?
How do I find a top Jacksonville 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?
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 October 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32207/32225/32258)) |
| Under-contract shares | realMLS records, as of 2026-10-20 |
| Historical depth | Closed-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.
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 realMLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harbor Oaks fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Harbor Oaks with Momentum Realty’s local 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.
- Hendricks Avenue Elementary School · PreK-5 · FLDOE grade A (assigned to 16 nearby communities)
- Alfred I. duPont Middle School · 6-8 · FLDOE grade C (assigned to 13 nearby communities)
- Terry Parker High School · High · FLDOE grade C (assigned to 11 nearby communities)
- Englewood High School · 9-12 · FLDOE grade C (assigned to 7 nearby communities)
- Samuel W. Wolfson High School · 9-12 · FLDOE grade A (assigned to 7 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).






