Harbour Oaks in Palm Beach Gardens

Harbour Oaks

Established 1988 · Intracoastal West · ZIP 32224

A gated townhome community in Palm Beach Gardens, built 2005, with a clubhouse, a nature preserve, and a walk to the Gardens Mall.

Gated townhomesNature preserveWalk to Gardens Mall
Live Market Pulse
72/100
Momentum
Seller's Market (limited data)
Tight supply keeps sellers in control, but dated interiors still trade at a discount, so condition is where buyers win.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive BeachesMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseBeachesMLS
$538K
Median Price
0.8mo
Supply
148days
Avg DOM
Strong
Seller Leverage
$252/sf
Median $/Sqft
-6%
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Harbour Oaks is a gated townhome community in the heart of Palm Beach Gardens, built in 2005, with three-story CBS townhomes, a clubhouse, and a 12-acre oak preserve, two miles from the ocean and walkable to the Gardens Mall. It is a low-maintenance, lock-and-leave product in a prime location. The read is straightforward for a cohesive newer townhome community: the floor plan (three models), the position relative to the lake and preserve, and the condition drive the spread, and the HOA bundles lawn, cable, water, and security. Confirm the HOA and reserves and read the unit's condition, then comp within the community."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Harbour Oaks market snapshot (as of June 13, 2026): the median sale price is about $538K ($252 per sq ft), with homes averaging 148 days on market and 0.8 months of supply, a seller's market (limited data). Based on 15 recent closings in live BeachesMLS data.

Harbour Oaks is a luxury gated townhome community in Palm Beach Gardens (ZIP 33410), built in 2005, with about 317 three-story townhomes.

Townhomes run roughly 2,430 to over 2,600 square feet in two- to four-bedroom layouts across three models (Amalfi, Barcelona, and Capri), all CBS construction with two-car garages, granite kitchens, large balconies, and hurricane-impact windows.

Amenities include a clubhouse, a pool, and a fitness center, and the community borders a private lake and a 12-acre oak nature preserve, giving it a green setting in a central location.

The HOA bundles a low-maintenance package, reported to include lawn care, pest control, basic cable, water, trash, security, and maintenance of the pool and common areas. The location is prime: about two miles from the ocean and within walking distance of the Gardens Mall.

Best for

  • Buyers who want a newer, gated, low-maintenance townhome in central Palm Beach Gardens
  • Buyers who want a bundled HOA covering lawn, cable, water, and security
  • Buyers who value a nature preserve and a walk to the Gardens Mall
  • Buyers who want CBS construction with impact windows and a two-car garage

Probably not for

  • Buyers who want a single-family home, a yard, or no HOA
  • Buyers who want a one-story layout rather than a three-story townhome
  • Buyers who want waterfront or a gated estate community
  • Buyers unwilling to read the association's reserves and rules

How Harbour Oaks is performing right now

72/100
momentum
Seller's Market (limited data)
Seller's marketBalancedBuyer's market
0.8Months of supplytight
148Median days on marketdays
4 : 1Under contract vs for salestrong demand
15Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+15%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from BeachesMLS, as of June 13, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Harbour Oaks listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Harbour Oaks buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Harbour Oaks

Live MLS inventory for Harbour Oaks. 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 Oaks listings as of 2026-06-13, 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.

Listing locations from BeachesMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Gardens Mall~5 min or walkable · central Palm Beach Gardens
Atlantic beaches~5 to 10 min · about two miles east
I-95 and Florida's Turnpike (PGA Blvd)~5 to 10 min · approximate, varies with traffic
Downtown at the Gardens~5 to 10 min · PGA Boulevard dining
Palm Beach International (PBI)~25 to 30 min · south via I-95
Jupiter~15 to 20 min · north via I-95 or US-1

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

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

Siena OaksSiena OaksPalm Beach Gardens, FL · adjacentCatalina LakesCatalina LakesPalm Beach Gardens, FL · 0.3 miOld MarshGolf ClubOld MarshGolf ClubPalm Beach Gardens, FL · 1.8 miIntracoastal ParkIntracoastal ParkPalm Beach Gardens, FL · 1.8 miLake CatherineLake CatherinePalm Beach Gardens, FL · 1.9 miGables at NorthlakeGables at NorthlakePalm Beach Gardens, FL · 2.2 miThe IslesThe IslesPalm Beach Gardens, FL · 2.6 miEvergreneEvergrenePalm Beach Gardens, FL · 2.8 miBallenIslesBallenIslesPalm Beach Gardens, FL · 3.0 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Harbour Oaks (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Palm Beach County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Harbour Oaks is served by Palm Beach County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Harbour Oaks address.

The takeaway

What is actually shaping value at Harbour Oaks, sourced and dated. We do not publish rumor.

Recent Developments in Harbour Oaks

Our read on what is being built around Harbour Oaks, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe structural story is a cohesive 2005 gated townhome community in a prime Palm Beach Gardens location, where the floor plan, position, and condition drive the spread and the HOA bundles services. The watch items are the HOA trajectory and the condition of the stock.

Prime central location, walk to Gardens Mall

BullishA central Palm Beach Gardens location near the mall, dining, and two miles from the ocean supports steady demand. impact
SignificanceRadius: Community

Prime central location, walk to Gardens Mall

Cohesive 2005 CBS construction with impact windows

BullishNewer CBS construction with hurricane-impact windows lowers near-term renovation and insurance risk. impact
SignificanceRadius: Community

Cohesive 2005 CBS construction with impact windows

Nature preserve setting and bundled HOA

BullishA private lake and 12-acre oak preserve plus a bundled HOA support a low-maintenance, green lifestyle. impact
SignificanceRadius: Community

Nature preserve setting and bundled HOA

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Harbour Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. 2005
    Development

    Harbour Oaks built as a gated townhome community

    Community profiles describe Harbour Oaks as a luxury gated townhome community in Palm Beach Gardens built in 2005, with about 317 three-story CBS townhomes (roughly 2,430 to over 2,600 square feet) across three models, a clubhouse, pool, and fitness center, a private lake and 12-acre oak preserve, and a bundled HOA, walkable to the Gardens Mall. Why it matters: The location and cohesive newer construction are the draw; confirm the HOA and reserves and read the unit's condition. Source

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.

If we were buying in Harbour Oaks, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA and reserves. Verify the current HOA amount, the inclusions (lawn, cable, water, security), reserves, and any assessments for the specific unit.

2

Weigh the model and position. The three models and the position relative to the lake and preserve drive the spread; confirm the floor plan and what the unit faces.

3

Read the unit's condition. Even on 2005 stock, confirm any updates and the building's condition.

4

Confirm leasing and pet rules. Verify the minimum lease term and pet rules if they matter to you.

5

Comp within the community. Price against the closest comparable of the same model, not an area average.

Best Buy
A preferred model with a lake or preserve view in a building with healthy reserves, priced to comparable in-community sales.
Biggest Risk
Overpaying for a less-desirable position, or underbudgeting a reserve assessment.
Best Lot
Lake and preserve-view positions and the larger models hold value over interior ones.
Smart Timing
Confirm the association's reserve status and any assessments before you commit.
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Harbour Oaks is a luxury gated townhome community in Palm Beach Gardens built in 2005, with about 317 three-story CBS townhomes (roughly 2,430 to over 2,600 square feet) in two- to four-bedroom layouts across three models (Amalfi, Barcelona, and Capri), each with a two-car garage, granite kitchens, large balconies, and hurricane-impact windows. Amenities include a clubhouse, pool, and fitness center, and the community borders a private lake and a 12-acre oak nature preserve. The HOA bundles a low-maintenance package reported to include lawn care, pest control, basic cable, water, trash, security, and pool and common-area maintenance. The location is prime, about two miles from the ocean and walkable to the Gardens Mall. Confirm the HOA and inclusions, the reserves, the model and position, and the school assignment by address before relying on them.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Entry: smaller models or interior positions
$495K to $530K

The community's more compact models or interior positions, the more attainable way in. Condition and position drive value.

Lowest entry
Core: larger models with views
$530K to $585K

Larger townhome models with lake or preserve views, the heart of the community. Floor plan and view set where these land.

Most inventory
High: updated large models
$585K to $600K

Fully updated larger models in preferred positions, the top of the local range. Move-in condition and the view drive the premium.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$495K to $530K
Entry: smaller models or interior positions
The community's more compact models or interior positions, the more attainable way in. Condition and position drive value.
$530K to $585K
Core: larger models with views
Larger townhome models with lake or preserve views, the heart of the community. Floor plan and view set where these land.
$585K to $600K
High: updated large models
Fully updated larger models in preferred positions, the top of the local range. Move-in condition and the view drive the premium.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Asking price per square foot
Renovated$300
Original$262
Median days on market
Renovated82
Original56

From current Harbour Oaks listings (renovated 2, original 3); condition inferred from listing descriptions, asking not closed figures. The exact number depends on a specific home's updates, lot, and view, which is the read we do before you offer.

Jon Brooks, Momentum Realty
Operator Note

The trap here is a beautifully staged original-condition home. Staging is cheap; a roof, HVAC, and a full modernization are not. We price the real renovation before you fall for the listing photos, because in an all-resale market that number is the difference between a deal and the most expensive house on the street.

Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

No CDD on the tax billStrong
Central Intracoastal West locationStrong
Scarce golf and lake homesitesStrong
$30M club reinvestment to 2028Positive
All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Harbour Oaks

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The location and the newer construction are the draw. The deal is won or lost on the model, the position, and the HOA and reserves.

Jon Brooks · Founder, Momentum Realty
8.1A- · Buy Score
Resale Strength8.1/10
Renovation Risk4.6/10
Location Efficiency9.0/10
Long-Term Defensibility8.0/10
Carrying Cost Advantage6.6/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Harbour Oaks is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live BeachesMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live BeachesMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from BeachesMLS; for orientation, not an appraisal.

15-Second Take
  • Lake and preserve-view positions hold value best
  • Larger models beat smaller, interior ones
  • Newer CBS construction lowers near-term risk
  • The central location is the durable draw
  • Comp by model and position, not the area average

At Harbour Oaks the value drivers are the model and the position, then condition, with cohesive 2005 CBS construction keeping near-term renovation and insurance risk low. Larger models and lake or preserve-view positions hold value over smaller interior ones. Compare a home against the closest in-community sale of the same model, and weigh the position and the HOA alongside the finishes.

Harbour Oaks in 15 seconds.

Best forBuyers who want a newer, gated, low-maintenance townhome in central Palm Beach Gardens, walkable to the mall.
Strong onA prime location, cohesive 2005 CBS construction with impact windows, a nature preserve, and a bundled HOA.
WatchThe HOA amount and reserves, the model and position, and the condition of the unit.
Not forBuyers who want a single-family home, a yard, a one-story layout, or waterfront.
The edgeNewer CBS construction with impact windows in a prime location lowers near-term renovation and insurance risk.

HOA, CDD & Fees

15-Second Take
  • Gated 2005 townhomes, CBS with impact windows
  • Bundled HOA covers lawn, cable, water, and security
  • Private lake and 12-acre oak preserve setting
  • Walkable to the Gardens Mall, two miles to the ocean
  • Confirm the HOA amount, reserves, and leasing rules

The HOA bundles a low-maintenance package, reported to include lawn care, pest control, basic cable, water, trash, security, and maintenance of the pool and common areas. Confirm the current amount, the full inclusions, the reserves, and any assessments for the specific unit.

Reported to cover lawn care, pest control, basic cable, water, trash, security, and pool and common-area maintenance. Confirm the exact inclusions for a specific unit.

Amenities are part of the community structure, with a reported clubhouse, pool, and fitness center, plus a private lake and 12-acre oak preserve, rather than a separate equity club.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Harbour Oaks, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Harbour Oaks, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Harbour Oaks home worth?

Get a no-obligation home value based on real comparable sales in Harbour Oaks matched to your condition, lot, and view, 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 the full Harbour Oaks home value & selling guide, recent comps, fees, and 2026 timing →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Harbour Oaks year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

Harbour Oaks Market Scorecard

Strong seller's market

Harbour Oaks is currently a strong seller's market. About 2.2 months of supply, a median asking price of $1,099,999, and homes go under contract in about 68 days.

2.2
Months supply
$1,099,999
Median list
$847,500
Median sold
$321
Per sqft
68
Days on mkt
7/6/39
Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Zoom out for the wider market: ZIP market scorecard · county scorecard.

Live data: BeachesMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

What kinds of homes are at Harbour Oaks?
Three-story CBS townhomes built in 2005, roughly 2,430 to over 2,600 square feet, in two- to four-bedroom layouts across three models, each with a two-car garage and hurricane-impact windows.
Is Harbour Oaks gated?
Yes. It is a gated townhome community in central Palm Beach Gardens.
What does the HOA cover?
A bundled package reported to include lawn care, pest control, basic cable, water, trash, security, and pool and common-area maintenance. Confirm the amount and inclusions for a specific unit.
What amenities does Harbour Oaks have?
A clubhouse, pool, and fitness center, plus a private lake and a 12-acre oak nature preserve bordering the community.
How central is the location?
It is prime: about two miles from the ocean and within walking distance of the Gardens Mall, with I-95, the Turnpike, and Downtown at the Gardens minutes away.
Should I worry about assessments?
Less than at older buildings given the 2005 CBS construction, but Florida's reserve and inspection rules still apply. Review the association's reserves and any assessments before buying.
Are pets allowed at Harbour Oaks?
The community is reported to be pet-friendly with rules. Confirm the current pet and leasing rules with the association for the unit you are considering.
What schools serve Harbour Oaks?
The community is part of the School District of Palm Beach County. Assignment is by address and changes periodically, so confirm the exact zoned schools for a specific home with the district.
Is Harbour Oaks a good investment?
Newer, low-maintenance townhomes in a prime central location support demand, with value turning on the model, position, and condition. This is not a guarantee of future value.
Should I use the listing agent to buy here?
No. The listing agent works for the seller. Having your own representation to read the model, the position, and the HOA is the highest-leverage decision you make.
What is the area like?
It is a central Palm Beach Gardens setting, walkable to the Gardens Mall and minutes from the beach, dining, and highways, with a green, preserve-bordered community.
You want a newer, gated, low-maintenance townhome in central Palm Beach GardensExcellent fit
You want a bundled HOA covering lawn, cable, water, and securityExcellent fit
You value a nature preserve and a walk to the Gardens MallExcellent fit
You want CBS construction with impact windows and a two-car garageExcellent fit
You will weigh the model and position and confirm the HOAExcellent fit
You want a single-family home, a yard, or no HOAProbably not
You want a one-story layout rather than a three-story townhomeProbably not
You want waterfront or a gated estate communityProbably not
You are unwilling to read the association's reserves and rulesProbably not
You want a private equity club rather than community amenitiesProbably not

Get the inside read on Harbour Oaks

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Harbour Oaks home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Harbour Oaks specialist will reach out personally, usually the same day.

Harbour Oaks median home price history from 2012 to 2026, chart by Momentum Realty
Median sale price in Harbour Oaks, Florida by year (2012 to 2026). Source: Momentum Realty.
BeachesMLS logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Listing photos provided by BeachesMLS, Inc. Information deemed reliable but not guaranteed.

Zoom out before you decide: see the Palm Beach County market guide or every community in the Neighborhood Finder.

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