Neighborhood · Clearwater, Florida
Harbor Oaks
Historic waterfront estates minutes from downtown Clearwater
1
Homes for sale
$3,500,000
Median list price
$485
Avg price / sqft
35
Median days on market
Harbor Oaks is one of Clearwater's oldest and most established residential enclaves, a canopy of mature oaks and grand estates set on gentle bluffs above Clearwater Harbor. The neighborhood sits just south of Downtown, so residents get quiet, tree-lined streets alongside quick access to the water, shops, and the wider stretch of Clearwater homes for sale. It's a small, character-rich pocket that draws buyers who want space, privacy, and a genuine sense of place.
The market here is thin and premium — the kind of place where a single listing can define the picture. Right now there's just one active home on the market at $3,500,000, while the ten sales over the past year closed at a median of $1,625,000 with sellers netting about 92% of asking. If you're weighing coastal alternatives, communities like Sand Key offer a different waterfront lifestyle, but Harbor Oaks remains its own tier for buyers who value historic gravitas.
Harbor Oaks is a community in Clearwater, Florida.
Quick facts
$3,500,000 – $3.5M price range
7,223 sqft median home
$2,350/mo median rent
9 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
9
Sold, last 12 months
$1,450,000
Median sold price
93%
Sale-to-list ratio
What sellers actually get vs asking
79 days
Median time to sell
Harbor Oaks vs Clearwater
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.
$2,350/mo
Median rent
Homes for rent inside the boundary
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.
People who close here
Our Clearwater experts
Straight answers
Harbor Oaks FAQs
Is Harbor Oaks a good place to live?+
It's one of Clearwater's most established neighborhoods, known for its oak canopy, estate-scale homes, and proximity to the harbor and Downtown. Families are assigned to Belleair Elementary, Largo Middle, and Clearwater High School, and the location keeps you close to the water while staying quiet and residential.
Is Harbor Oaks expensive?+
Yes — it sits at the top of Clearwater's price ladder. The past year's ten sales closed at a median of $1,625,000, and the current lone listing is priced at $3,500,000, so buyers should expect a genuine luxury market.
What do homes cost in Harbor Oaks?+
Recent sales carried a median price of $1,625,000, while the single active listing is at $3,500,000 and pricing works out to about $485 per square foot. Home sizes are substantial here, with a median footprint around 7,223 square feet.
How is the Harbor Oaks market right now?+
Inventory is very tight, with just one home currently active on the market. Homes that do sell move at a reasonable pace — a median of 26 days — and sellers are averaging about 92% of their asking price.
What about HOA fees and property taxes?+
There's no standard HOA figure reported for the neighborhood, which fits its individual-estate character. Property taxes reflect the high home values, with a median annual bill around $34,596.
Keep exploring
More Clearwater 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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