Costs of owning

What it really costs to own in Florida.

Harbor West HOA fees

Port Charlotte, Charlotte County · 33981

Homes in Harbor West (Port Charlotte) pay a median $3,264 a year in HOA dues, about $272 a month, based on 16 listings. Half fall between $3,068 and $3,264. None of the listings we reviewed report a CDD.

HOA, median
$3,264/yr
About $272 a month
CDD, median
None reported
Property tax, median
$8,192/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$955
HOA + tax at the medians

What the dues cover

  • Maintenance Grounds56% of listings
  • Common Area Taxes31% of listings
  • Management31% of listings

Amenities listed: Gated.

Live inventory

For sale in Harbor West right now

8 active listings

15336 Spanish Point Dr
Active
House for sale
$1,280,000
4 bed3 bath2,349 sqft0.60 acre lot
15336 Spanish Point Dr
Port Charlotte, FL, 33981
Brokered by SERHANT
15040 Spanish Point Dr
ActivePrice reduced
House for sale
$819,000
$30k
4 bed3 bath2,349 sqft0.32 acre lot
15040 Spanish Point Dr
Port Charlotte, FL, 33981
Brokered by PARADISE EXCLUSIVE REAL ESTATE
15248 Spanish Point Dr
ActivePrice reduced
House for sale
$970,000
$25k
4 bed3 bath2,925 sqft0.29 acre lot
15248 Spanish Point Dr
Port Charlotte, FL, 33981
Brokered by RE/MAX ALLIANCE GROUP
15024 Spanish Point Dr
Active
House for sale
$950,000
4 bed3 bath2,374 sqft0.32 acre lot
15024 Spanish Point Dr
Port Charlotte, FL, 33981
Brokered by REALTY HUB
14500 Ponce DE Leon Trl
ActivePrice reduced
House for sale
$709,950
$139k
3 bed3 bath2,647 sqft0.36 acre lot
14500 Ponce DE Leon Trl
Port Charlotte, FL, 33981
Brokered by BERKSHIRE HATHAWAY HOMESERVICE
14332 Ponce DE Leon Trl
ActivePrice reduced
House for sale
$795,000
$205k
3 bed3 bath2,647 sqft0.48 acre lot
14332 Ponce DE Leon Trl
Port Charlotte, FL, 33981
Brokered by GRANT TEAM REAL ESTATE, LLC
15240 Spanish Point Dr
Active
House for sale
$899,000
4 bed3 bath2,349 sqft0.29 acre lot
15240 Spanish Point Dr
Port Charlotte, FL, 33981
Brokered by GRANT TEAM REAL ESTATE, LLC
15080 Spanish Point Dr
ActivePrice reduced
House for sale
$860,000
$170k
4 bed3 bath2,345 sqft0.46 acre lot
15080 Spanish Point Dr
Port Charlotte, FL, 33981
Brokered by KW PEACE RIVER PARTNERS
See all 8 Harbor West homes

Harbor West cost questions

How much are HOA fees in Harbor West?

Homes in Harbor West (Port Charlotte) pay a median $3,264 a year in HOA dues, about $272 a month, based on 16 listings. Half fall between $3,068 and $3,264.

Does Harbor West have a CDD?

None of the listings we reviewed report a CDD. 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 West, before the mortgage?

HOA and property tax come to about $955 a month at the medians (property tax median $8,192 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 West 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 16 addressesin subdivisions matching “HARBOR WEST”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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