Neighborhood · Belleair, Florida
Harbor Oaks
Estate living on the Clearwater Harbor bluff
1
Homes for sale
$3,500,000
Median list price
$485
Avg price / sqft
35
Median days on market
Harbor Oaks sits on the high ground above Clearwater Harbor, a low-key enclave of large, established homes where the streets feel private and the scale runs generous. This is a corner of Belleair built around space and quiet — median lots and houses here are big, with the typical home stretching past 7,000 square feet, and families lean on well-regarded schools like Belleair Elementary School and Clearwater High School.
For a buyer today, this is a thin, high-end market and you should treat it that way. There's a single active listing at $3,500,000, and over the last year just six homes changed hands at a median sold price of $2,800,000 — sellers collected about 92% of asking, so there's real room to negotiate. Homes that were priced right moved in a median of 26 days, so when the right property surfaces you'll want to be ready; you can watch inventory on the live map.
Harbor Oaks is a community in Belleair, Florida.
Quick facts
$3,500,000 – $3.5M price range
7,223 sqft median home
5 sold in 12 months
Drive times
On the market now
Homes for sale in Harbor Oaks
Every active listing inside the Harbor Oaks boundary
Open full map search →Find your fit
Browse Harbor Oaks
By feature — on the live map
The numbers that matter
The Harbor Oaks market
5
Sold, last 12 months
$2,925,000
Median sold price
94%
Sale-to-list ratio
What sellers actually get vs asking
83 days
Median time to sell
Harbor Oaks vs Belleair
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▲ 85.7% yr/yr
Homes sold per month
Live Stellar MLS data — every listing and closed sale inside the Harbor Oaks boundary. Rolling medians smooth single-month swings in small communities.
For the school run
Schools Harbor Oaks is zoned for
Attendance boundaries overlapping this community — always verify zoning with the district.
What it really costs
Owning here
Owning the median Harbor Oaks home
≈ $21,534/mo
$3,500,000 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
Population
364
Median age
48
Median income
$205,000
Median home value
$724,300
Beyond the listings
Living in Harbor Oaks
Relationships
Top 1% in the U.S.Connected Motherhood
Motherhood is a unique journey for every woman. There are highs, lows,and lots to celebrate. These moms seek to share their experiences and engage with a community of moms.
Hobbies & Interests
Top 4% in the U.S.Animal Advocates
Passionate about animal welfare, this population wants to know how best to care for their own pets (with toys and training) and help other animals find their fur-ever home.
Attitudes
Top 7% in the U.S.Volunteering & Giving
Expressing a desire to give back and do good for the community, this behavior emphasizes charity. Common activities include volunteering, fundraisers, and donations.
Beliefs
Top 8% in the U.S.Spiritual Practices
Making it to church on Sunday, this population is drawn together by their devotion to, primarily Christian, religion. Common activities include worship services and bible studies.
Emotional
Top 10% in the U.S.Memory Lane
Intentionally preserving memories of lost loved ones, joyful times, or reflecting on painful experiences in the past.
Active
Top 11% in the U.S.Yoga Advocates
Improving flexibility, strength, and overall well-being is the yogi's aim. This population is looking for the right community, instruction, and accessories.
Straight answers
Harbor Oaks FAQs
Is Harbor Oaks a good place to live?+
It's one of Belleair's most established residential pockets, defined by large lots, big homes, and quiet streets above Clearwater Harbor. Families are drawn to the school assignments — Belleair Elementary School, Largo Middle, and Clearwater High — and the location puts Tampa International Airport within about 33 minutes. If you want space and privacy over a busy walkable scene, it fits.
Is Harbor Oaks expensive?+
Yes — this is a top-tier segment of the Belleair market. The lone active listing is priced at $3,500,000, and the median sold price over the past year was $2,800,000. Average pricing works out to roughly $485 per square foot on homes that are unusually large.
What do homes cost in Harbor Oaks?+
Recent sales centered on a median of $2,800,000, while the current active listing sits at $3,500,000. At around $485 per square foot on a median home size north of 7,000 square feet, budgets here are estate-scale. Nearby Belleair Estates and Bellair Forest are worth comparing if you're weighing options across the area.
How is the market right now?+
It's low-volume and high-value — one active listing and just six sales in the last twelve months. Well-priced homes moved in a median of 26 days, but sellers averaged about 92% of asking, which signals negotiating room. Because supply is so thin, checking the live map regularly is the best way to catch new inventory.
What about HOA fees and property taxes?+
HOA figures aren't reported for the current inventory here, so budget expectations should be confirmed listing by listing. Property taxes, however, run high given the price point — the median is about $34,596 per year, in line with homes valued in the multi-millions.
Keep exploring
More Belleair neighborhoods
Neighborhood boundary by edgeAI; listings matched to the polygon. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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