Indian Harbour Beach HOA and Condo Fees Compared by Neighborhood

What are HOA and condo fees in Indian Harbour Beach, Florida?

Fees in Indian Harbour Beach run from $25 a month at the low end to $1,200 a month at the high end, with a typical neighborhood around $633 a month.

On the barrier island the monthly fee is not a rounding error. At $633 a month, the typical Indian Harbour Beach fee adds roughly $7,596 a year to your carrying cost, which is real money against your purchase budget.

Here is what every tracked Indian Harbour Beach neighborhood actually charges, lowest to highest, straight from recent closed sales.

Indian Harbour Beach fees by neighborhood

Neighborhood	Stated fee	Per year	Median sold
Golden Beach Estates	No association	$0	$493,250
Indian Harbour Beach Sections	No association	$0	$518,000
Seacoast Shores	No association	$0	$575,000
Bay Village	No association	$0	$615,000
Harbour Isles	$25 median a month, reported on 4 of 12 listings	$300	$1,112,500
Lyme Bay	$167 median a month, reported on 7 of 7 listings	$2,004	$370,000
Townhouse Estates	$215 median a month, reported on 6 of 6 listings	$2,580	$385,000
Harbor Beach Club	$240 median a month, reported on 3 of 3 listings	$2,880	$462,450
Martesia	$320 median a month, reported on 12 of 13 listings	$3,840	$746,500
Harbour Lights	$320 median a month, reported on 3 of 3 listings	$3,840	$794,000
Mira Bella	$448 median a month, reported on 3 of 3 listings	$5,376	$399,000
Indian Harbour Beach Club	$525 median a month, reported on 4 of 4 listings	$6,300	$495,000
Coquina Palms	$590 median a month, reported on 3 of 3 listings	$7,080	$430,000
Lansing Island	$595 median a month, reported on 11 of 11 listings	$7,140	$2,700,000
Marina Isle Club	$633 median a month, reported on 4 of 4 listings	$7,596	$620,000
Gleasons Replat	$653 median a month, reported on 8 of 8 listings	$7,836	$390,000
Palm Springs Condo	$690 median a month, reported on 5 of 5 listings	$8,280	$399,000
Windward Cove	$700 median a month, reported on 7 of 7 listings	$8,400	$825,000
Sea Shore Estates	$715 median a month, reported on 3 of 3 listings	$8,580	$790,000
Dockside Villas	$740 median a month, reported on 4 of 4 listings	$8,880	$509,500
Lantana Oceanfront	$866 median a month, reported on 6 of 6 listings	$10,392	$763,000
Somerset Oceanfront	$1,010 median a month, reported on 14 of 14 listings	$12,120	$929,000
Ocean Walk Condo	$1,030 median a month, reported on 6 of 6 listings	$12,360	$477,650
South Harbor Estates	$1,200 median a month, reported on 6 of 6 listings	$14,400	$385,000
Cristal Condo	$1,200 median a month, reported on 5 of 5 listings	$14,400	$725,000

The Indian Harbour Beach neighborhoods with no association

Four of them report no association fee at all: Golden Beach Estates, Indian Harbour Beach Sections, Seacoast Shores, Bay Village.

No fee is not the same as no cost. Nobody is funding a roof reserve, nobody is insuring a shared structure, and nobody is stopping the boat in the driveway next door. On a barrier island the reserve question matters, so understand what you are taking on yourself before you treat a zero as a win.

Why the range is this wide

Buildings cost more than streets

A condominium fee covers the roof, the exterior, the elevator, the insurance on the structure and usually water. A single family association covers a sign, a landscape contract and maybe a pool. That is most of the gap right there, and it is why comparing a $1,200 condo fee to a $25 homeowners fee tells you nothing on its own.

Oceanfront exposure

Buildings that face the Atlantic carry higher insurance and harder maintenance cycles than buildings a few streets back. The fee reflects that whether the budget says so plainly or not.

Reserves

Since Florida tightened structural reserve requirements, associations that had been underfunding are catching up, and owners feel it in the fee or in an assessment. Ask for the reserve study and the last two years of minutes before your inspection period ends. Florida's condominium rules are published by the Florida Department of Business and Professional Regulation.

What the fee does not cover

Your fee is not your carrying cost. Add property taxes, your own homeowners or contents policy, and flood coverage where it applies. Millage is published by the Brevard County Property Appraiser, and flood zone data is at FEMA's Flood Map Service Center. Two units in the same building can price very differently on insurance.

FAQ

What is the average HOA fee in Indian Harbour Beach, FL?

The typical tracked neighborhood runs about $633 a month, roughly $7,596 a year. The full range is $25 to $1,200 a month.

Which Indian Harbour Beach neighborhoods have no HOA?

Golden Beach Estates, Indian Harbour Beach Sections, Seacoast Shores, Bay Village

Are condo fees higher than HOA fees in Indian Harbour Beach?

Generally yes, and for good reason. Condo fees cover the building envelope, structural insurance and reserves. Homeowners association fees usually cover common areas only.

Where can I see fees for a specific Indian Harbour Beach neighborhood?

Every neighborhood has its own page with dues, price history and current listings at livingspacecoast.com/indian-harbour-beach/.