What it really costs to own in Florida.
Harbor HOA fees
Palm Coast, Flagler County · 32137
Homes in Harbor (Palm Coast) pay a median $9,288 a year in condo association dues, about $774 a month, based on 9 listings. Half fall between $3,680 and $9,300.
HOA by home type
| Single-family homes | $3,680/yr | 4 listings |
| Condos | $9,300/yr | 5 listings |
Condos and townhomes usually pay more because their dues cover the building, roof or exterior insurance.
What the dues cover
- Guard - 24 Hour100% of listings
- Maintenance Grounds89% of listings
- Private Road67% of listings
- Security67% of listings
- Common Area Taxes56% of listings
- Cable TV44% of listings
Amenities listed: Gated, Elevators, Maintenance, Security, Fitness Center, Pool.
44% of listings report a second association (often a master HOA). The figures above don't include that second fee, so the total can be higher.
Live inventory
For sale in Harbor right now
77 active listings
Harbor cost questions
How much are HOA fees in Harbor?
Homes in Harbor (Palm Coast) pay a median $9,288 a year in condo association dues, about $774 a month, based on 9 listings. Half fall between $3,680 and $9,300.
Does Harbor have a CDD?
100% of the listings we reviewed report a CDD, too few to publish an amount. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.
What does it cost each month to own in Harbor, before the mortgage?
HOA and property tax come to about $1,185 a month at the medians (property tax median $4,927 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.
Where do these numbers come from?
Stellar MLS via Repliers listings in Harbor from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.
Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 9 addressesin subdivisions matching “HARBOR”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- TidelandsPalm Coast · HOA $9,600/yr
- Canopy WalkPalm Coast · HOA $9,360/yr
- Palm Coast Fairways CondoPalm Coast · HOA $6,900/yr
- Hammock DunesPalm Coast · HOA $4,674/yr
- Palm Club CondoPalm Coast · HOA $6,276/yr
- Ocean HammockPalm Coast · HOA $2,676/yr
- SanctuaryPalm Coast · HOA $1,980/yr
- Grand Haven NorthPalm Coast · HOA $175/yr · CDD $3,153/yr
- Hammock BeachPalm Coast · HOA $15,430/yr
- Hammock Beach ClubPalm Coast · HOA $18,854/yr
- NorthshorePalm Coast · HOA $12,190/yr
- Woodhaven at Palm CoastPalm Coast · HOA $5,220/yr
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