Harbor Point
Homes for Sale in St. Augustine, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Harbor Point in St. Augustine, FL since 2007, the most recent in June 2010. Across St. Augustine as a whole, 2,663 homes closed in the last 12 months at a median of $453,314, 52 median days on market, with 688 homes for sale today. At that median and St. Johns County's FY2025-26 rate of 13.47 mills, annual property tax runs about $6,110 ($5,590 with the full homestead exemption).
The facts I have on Harbor Point are limited to location and county, so I'm going to be honest about what that means: I don't have a current median, days-on-market, or inventory snapshot to anchor a price read as of mid-2026. What I can say with confidence is that this is a St. Augustine address in St. Johns County, and location is doing real work in any valuation here.
Without live pricing data, treat any dollar figure you see elsewhere with skepticism and ask for the actual comparables. If you're buying or selling in Harbor Point right now, the smart move is to pull recent closed sales in the immediate area before you set an offer or a list price — don't negotiate off a guess.
The 60-Second Overview
Harbor Point sits in St. Augustine, within St. Johns County — a coastal Northeast Florida location where proximity to the water and the historic city core tends to shape what a home is worth more than any single headline number.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Harbor Point is best for.
Best for
- Buyers set on a St. Augustine, St. Johns County location who value coastal proximity over a wide menu of listings
- Buyers willing to make decisions off actual recent comparable sales rather than a headline figure
- Owners preparing to sell who want a data-first list price grounded in the immediate area
Probably not for
- Buyers who need a deep, high-volume inventory to compare many options at once
- Buyers who want to move on a public online estimate without pulling real comparables
- Buyers whose budget or location requirements point them outside St. Augustine
The market around Harbor Point
Harbor Point is too small for its own price trend, so here is the market around it.
In ZIP 32084, 325 homes are on the market and 21% are under contract — a steady corner of St. Augustine.
Across St. Johns County, 1,840 homes are active and 837 pending (31% under contract).
ZIP and county figures describe the wider market, not Harbor Point specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Harbor Point, St. Augustine
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.
The Harbor Point buying strategy.
If we were buying in Harbor Point 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 Point.
The location and the amenities are priced into every listing in Harbor Point. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
We work St. Johns County every week, and in a small community like Harbor Point the difference between a fair price and a wrong one comes down to reading the right recent sales — not a formula. We'll bring you the actual closed comparables, walk the condition and location differences with you, and tell you plainly when a listing is priced past what the block supports.
Harbor Point in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Point 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 Point sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Point, 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 Point home worth?
Get a no-obligation home value based on real comparable sales in Harbor Point, 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 St. Augustine →
Should you buy in Harbor Point?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2007 (2 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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Harbor Point fits the bigger picture — live prices, inventory, and Momentum Scores:
The real cost & risk here
Before the list price, the Florida math the portals skip. These are St. Johns County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · St. Johns County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.