Oak Harbour
Homes for Sale in Jacksonville, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 13 closed sales in Oak Harbour in Jacksonville, FL since 2004, the most recent in March 2025. Across Jacksonville as a whole, 8,811 homes closed in the last 12 months at a median of $310,000, 44 median days on market, with 2,375 homes for sale today. At that median and Duval County's FY2025-26 rate of 17.86 mills, annual property tax runs about $5,540 ($4,800 with the full homestead exemption).
Oak Harbour is a small, established pocket of Jacksonville — 74 homes built between 1961 and 1974, with a median build year of 1962. In a market this tight, price is driven less by list comps and more by condition. A house that has been updated mechanically and cosmetically will command a very different number than one still wearing its original finishes, and with a median living area around 1,695 square feet, the spread between the two can be wide.
With roughly 72% of homes held as homesteads, turnover here is limited and inventory is thin. For sellers, that scarcity is leverage — a well-prepared listing has little direct competition. For buyers, it means patience: you may wait for the right home to surface, and when it does, condition is the variable you must underwrite carefully.
The 60-Second Overview
Oak Harbour is a compact, owner-occupied enclave of early-1960s to mid-1970s homes in Jacksonville's Duval County, where mid-century single-story stock and low turnover define the character.
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 Oak Harbour is best for.
Best for
- Long-term owner-occupants who value a small, stable, established pocket
- Buyers comfortable renovating a mid-century home and budgeting for systems
- Those prioritizing a consistent, single-story housing stock over variety
Probably not for
- Buyers who require newer construction or modern layouts
- Anyone needing move-in-ready condition with no capacity for updates
- Investors chasing quick turnover in a low-transaction, held market
The market around Oak Harbour
Oak Harbour is too small for its own price trend, so here is the market around it.
In ZIP 32233, 104 homes are on the market and 36% are under contract — a fast-moving corner of Jacksonville.
Across Duval County, 3,905 homes are active and 1,695 pending (30% under contract).
ZIP and county figures describe the wider market, not Oak Harbour specifically. Momentum Research analysis of MLS records.
Oak Harbour by the numbers
From county property records and closed MLS sales for the Oak Harbour subdivision: 6 homes on record; built 1961–1970; typical size about 1,149 heated sq ft; 4 bedrooms is the median. Housing mix: single-family 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2012 | 1 | $90,000 |
| 2017 | 1 | $157,000 |
| 2022 | 1 | $410,000 |
| 2023 | 1 | $417,500 |
| 2024 | 1 | $418,000 |
| 2025 | 1 | $333,000 |
Newest recorded sale: $333,000 on 2025-03-19.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
Housing distress & ownership in Oak Harbour, 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.
The Oak Harbour buying strategy.
If we were buying in Oak Harbour 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 Oak Harbour.
A small, held mid-century pocket
The building window is narrow — 1961 to 1974 — so the housing stock is stylistically consistent: mid-century floor plans, mostly single-story, with a median footprint just under 1,700 square feet. That consistency helps buyers compare like with like, but it also means you are largely buying into an era. Systems, roofs, and layouts reflect their age, so an inspection and a realistic renovation budget matter more here than in newer construction.
The high homestead share tells you this is a lived-in community rather than an investor churn. Homes come to market infrequently, and when they do, the condition story dominates. Expect to see the full range — from carefully maintained originals to fully reworked interiors — and price your offer to the specific house in front of you, not a neighborhood average.
The location and the amenities are priced into every listing in Oak Harbour. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a 74-home community with limited turnover, the value is in knowing which homes have been updated and which haven't, and pricing accordingly. We track this micro-market closely, help buyers underwrite the renovation math on original stock, and position sellers to capture the scarcity advantage without overreaching on an untested list price.
Oak Harbour 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 Oak Harbour 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 Oak Harbour sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Oak Harbour, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Oak Harbour home worth?
Get a no-obligation home value based on real comparable sales in Oak Harbour, 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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Should you buy in Oak Harbour?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2004 (13 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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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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