Harbour Isles At Lake Charles
Homes for Sale in Port St. Lucie, FL
All 1,478 homes for sale in Port St. Lucie, FL · median $414,994 · 69 townhomes for sale in Port St. Lucie · 282 homes for sale in 34986 · St. Lucie County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
Photo via Beaches MLS
As of September 2026, Harbour Isles At Lake Charles in Port St. Lucie, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $287,500, $159 per square foot, a median 74 days on market, sellers accepting 92% of original asking (-18% versus the prior year). Homes listed or recently sold were built 1996–1997; 8 of 8 report an HOA (median $596/mo). At the median price and St. Lucie County's FY2025-26 rate of 22.85 mills, annual property tax runs about $6,570 ($5,590 with the full homestead exemption).
Part of the Lake Charles Ph 3G master-planned community in Port St. Lucie, FL — see all Lake Charles Ph 3G homes for sale (27 listings across 2 villages and sections in the MLS).
| Location | Port St. Lucie, St. Lucie County, FL · ZIP 34986 |
|---|---|
| Home types (current listings and sales) | townhouses 88%, villas 12% |
| Amenities listed by sellers | Playground, Pool, Tennis Court(s), Clubhouse, Gated with Guard, Internet Included |
| Sale prices, last 12 months | $287,500 median across 6 closed sales · $159 per sq ft · -17.6% vs the prior 12 months |
| Days on market (closed sales) | 74 median |
| For sale right now | 2 active, 0 pending · median asking $342,500 · 4.0 months of supply |
Data as of September 20, 2026. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbour Isles At Lake Charles key facts,” movewithmomentum.com/neighborhoods/harbour-isles-at-lake-charles, data as of September 20, 2026.
Last 30 days in Harbour Isles At Lake Charles: 1 new listing (median asking $345,000). As of September 23, 2026, All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc.
Harbour Isles At Lake Charles is trading at a median of $310K and $160/sq ft, which puts it in the value tier for Port St. Lucie's lakefront-adjacent communities. Pricing here is driven by age, condition, and whether a home has water access or just water views—the spread is wide, and every home sells on its own merits. With no HOA amenity package identified in current listings, you're buying the home and the location, not a resort lifestyle.
The market has cooled sharply: prices are down 10.7% year-over-year, homes are sitting a median of 81 days, and only seven sales closed in the measurement window. That's a low-activity posture. Sellers who price to condition and comparable sales will move; those anchored to last year's numbers will wait. Buyers have negotiating room and time to evaluate—this is not a community where you lose a deal overnight.
Harbour Isles At Lake Charles right now
🟡 Balanced market. 4.0 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 Beaches MLS records, as of September 20, 2026. Confidence: Medium (2 active and pending listings, 6 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($288K) is down 17.6% from the prior 12 months ($349K). With about 6 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 Beaches MLS closed sales, 12-month windows ending September 20. Confidence: Medium (6 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 24, 2026 · Live data: Beaches MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harbour Isles At Lake Charles market snapshot (as of September 20, 2026): the median sale price is about $288K ($159 per sq ft over the trailing 12 months of closed sales), a median 75 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is down 18% from the prior 12 months, computed from record-level Beaches MLS closed sales (6 closings in the current window).
In ZIP 34986 (Port St. Lucie), 1,242 homes closed in the last 12 months at a median of $380K ($203/sq ft), down 1.8% year over year, with a median 58 days on market. Right now 183 active and 37 pending listings put supply at about 5.4 months — a buyer's market. See the live ZIP 34986 housing market and the St. Lucie County market.
BeachesMLS sales records identify 58 homes in Harbour Isles At Lake Charles that have changed hands since 2012, built between 1996 and 1999 (median 1997), with a median living area of about 2,121 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are townhomes. Source: BeachesMLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
A lakefront-adjacent enclave in west Port St. Lucie where pricing varies widely by condition and water proximity, trading in a cooling market with extended days-on-market and room to negotiate.
The setting & the homes.
Aerial and on-site photos of Harbour Isles At Lake Charles. Swipe to explore the community.
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Harbour Isles At Lake CharlesPhotos from Beaches MLS listings in Harbour Isles At Lake Charles; content deemed reliable but not guaranteed.
Who Harbour Isles At Lake Charles is best for.
Best for
- Buyers with cash or flexible timelines who want lakefront or lake-adjacent living in the low-to-mid $300s and can evaluate each home on condition
- Investors or flippers willing to underwrite renovation costs against a slower, condition-sensitive resale market
- Downsizers or second-home buyers seeking a quiet waterfront setting without HOA fees or programmed amenities, comfortable with the west Port St. Lucie location
Probably not for
- Buyers expecting turnkey community amenities—pool, clubhouse, fitness center—or a managed lifestyle product
- Anyone needing fast resale liquidity or a hot, predictable market for near-term exit strategy
- Buyers who want standardized product and comps—Harbour Isles is a case-by-case market where every home trades on its own story
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 Beaches MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($288K) IS the median in the snapshot above, and the move from 2025 ($349K) IS the -17.6% one-year change.
Windows contain 0 to 11 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Deemed reliable but not guaranteed.
22% of homes for sale in ZIP 34986 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 (2026-09-24).
Harbour Isles At Lake Charles Market Scorecard
Harbour Isles At Lake Charles is currently a balanced market. About 4.0 months of supply, a median asking price of $342,500, and homes go under contract in about 37 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Beaches MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Harbour Isles At Lake Charles, Port St. Lucie
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. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Harbour Isles At Lake Charles
Live MLS inventory for Harbour Isles At Lake Charles. 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 Harbour Isles At Lake Charles listings as of 2026-09-24, priced high to low. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright © 2026 BeachesMLS, Inc. Tap any home to ask about it.
Every Home for Sale in Harbour Isles At Lake Charles Right Now (2)
All 2 active and pending Harbour Isles At Lake Charles listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1686 SW Harbour Isles Circle · $345,000 · 4 bd / 3 ba · listed Aug 28, 2026 · listed by RE/MAX Gold
- 1580 SW Harbour Isles Circle · $334,900 · 3 bd / 2.5 ba · listed Aug 17, 2026 · listed by Keller Williams Realty of PSL
Harbour Isles At Lake Charles on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Beaches MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- St. Lucie County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Windmill Point · Elementary
- Manatee Academy K-8 · Middle
- St. Lucie West Centennial · High
Zoned schools reflect the assignments reported on recent Harbour Isles At Lake Charles listings and can change; always confirm with St. Lucie County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Harbour Isles At Lake Charles address.
Shop the zone: Homes zoned for St. Lucie West Centennial High School
The Harbour Isles At Lake Charles buying strategy.
If we were buying in Harbour Isles At Lake Charles 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 Harbour Isles At Lake Charles.
What you're actually buying at Harbour Isles
Harbour Isles At Lake Charles sits on the western edge of Port St. Lucie near Lake Charles, a quiet pocket removed from the Turnpike corridor but close enough for commuter access. The community offers a mix of single-family homes, some with lake frontage or canal access, others set back from the water. There is no clubhouse, pool, or formal amenity center flagged in current MLS data, so the value proposition is the home itself and the lakefront setting—not a programmed lifestyle.
The median price of $310K reflects a range of inventory: older homes needing updates, turnkey renovations, and occasional newer builds or full rehabs. The key variable is condition and water position. Homes with direct lake access or newer finishes command premiums within the community; interior lots and dated interiors settle lower. The median price-per-square-foot of $160 is competitive for west Port St. Lucie, but you'll need to evaluate each listing individually—this is not a standardized product.
The market tells a clear story: 81 days on market, down nearly 11% year-over-year, and just seven closings in the window. Activity is light, and sellers are adjusting. Buyers have time to tour, inspect, and negotiate. The market heat score of 16 confirms a buyer-favorable posture. If you're shopping here, expect to submit offers below list and to encounter a mix of motivated sellers and a few holdouts waiting for a return to peak pricing that may not come soon.
The location and the amenities are priced into every listing in Harbour Isles At Lake Charles. 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 Harbour Isles At Lake Charles 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 (4.0). Basis: Recent Direction -17.6% year-over-year; Liquidity & Demand 4.0 months of supply; Pricing Power 91.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
Harbour Isles requires a broker who underwrites each home on its own—water access, roof age, HVAC, finishes, flood zone, and realistic comp set. Momentum pulls permit history, reads lake deed restrictions, and prices every variable that moves value in this community. In a slow market with wide condition spreads, we'll tell you which homes are priced right and which ones are anchored to outdated expectations. We represent your interests with data, not optimism, and we'll walk you away from a deal that doesn't pencil.
Harbour Isles At Lake Charles in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $596/month (about $7,152/yr) · median of 54 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $596 per month ($7,152 a year) — the median AssociationFee across 54 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Harbour Isles At Lake Charles 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 Harbour Isles At Lake Charles sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbour Isles At Lake Charles, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbour Isles At Lake Charles home worth?
Get a no-obligation home value based on real comparable sales in Harbour Isles At Lake Charles, 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 Port St. Lucie →
Frequently Asked Questions
What is the median home price in Harbour Isles At Lake Charles?
How long do homes in Harbour Isles At Lake Charles take to sell?
Is Harbour Isles At Lake Charles a buyer's or seller's market right now?
Who is the best real estate agent for Harbour Isles At Lake Charles?
How do I find a top Port St. Lucie real estate agent who knows Harbour Isles At Lake Charles?
Can Momentum Realty connect me with an agent for Harbour Isles At Lake Charles?
Where is Harbour Isles At Lake Charles, and what county is it in?
Is Harbour Isles At Lake Charles a good place to live?
Should you buy in Harbour Isles At Lake Charles?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Beaches MLS, refreshed twice daily (last: September 24, 2026) |
| Community market stats | Beaches MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Beaches MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (69 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 Beaches 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. Momentum sells for 1.25% above the Beaches MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harbour Isles At Lake Charles fits the bigger picture — live prices, inventory, and Momentum Scores:
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