Living in Florida's Space Coast
HARBOUR ISLES
Harbour Isles is the single-family neighborhood in Indian Harbour Beach where $1,112,500 was the median across twelve closed sales in the last twelve months, seven of twelve properties front a canal, and the association runs about $25 a month. Built 1963 to 2009.
Harbour Isles In Indian Harbour Beach, Florida
Harbour Isles sits in Indian Harbour Beach, in the 32937 zip code, on Cat Cay, Bimini, Bahama and Eleuthera. Over the last twelve months twelve of the twelve properties I tracked here actually closed, at a $1,112,500 median.
The housing stock is 12 single-family homes, built 1963 to 2009. The size range runs 2,240 to 5,644 square feet, which is wide enough that the neighborhood median tells you very little about any one property. Price it off the comparable sales on that street, not the plat.
Sellers closed at about 96 percent of original list, a normal working spread for beachside Brevard. The room that exists shows up on properties that have already cut once.
seven of the twelve properties are waterfront. That single line is the biggest split inside Harbour Isles, and a waterfront property and an interior one on the same street should never be priced off each other.
Harbour Isles At A Glance
Every figure below comes from the last twelve months of Indian Harbour Beach market data for this neighborhood. Nothing here is an estimate.
| Detail | What you get |
|---|---|
| Housing type | 12 single-family homes |
| Home size range | Roughly 2,240 to 5,644 square feet, median about 2,583 |
| Bedrooms and baths | three to six bedrooms, three to seven baths |
| Lot size | 0.23 to 0.39 acres, median about 0.28 |
| Year built | 1963 to 2009, median 1964 |
| Median sold price | $1,112,500 over the last twelve months |
| Sold price range | $520,000 to $2,350,000 |
| Price per square foot | About $374 median |
| HOA dues | $25 median a month, reported on 4 of 12 listings |
| Waterfront | 7 of 12, on a canal |
| Private pools | 10 of 12 |
| Garage | 12 of 12 listings reported a garage |
| Property tax | About $7,778 median annual, ranging widely with assessment history |
| Days on market | 16 days median, at about 96 percent of original asking price |
| Location | Indian Harbour Beach, 32937 |
Harbour Isles Costs, Honestly
The line items that decide what this actually costs you, beyond the purchase price.
Insurance And Flood
Get the quote firstEvery address on this island is underwritten on its own elevation certificate, roof age and opening protection. Two properties on the same street can be thousands apart a year. I get you a real quote inside the inspection period, before the payment you are picturing becomes the payment you are stuck with.
The Seawall And The Dock
The item people forgetA seawall has a lifespan and replacing one is a five figure job. So is a dock, a lift and the electrical that runs them. On a property where the association may or may not own that structure, that question gets answered in writing before you go hard on a deposit.
The Tax Bill Resets
About $7,778 median todayThat is what the current owners pay, not what you will. Florida caps annual assessment increases for homesteaded owners and the cap resets on sale, so on a property somebody has held fifteen years your first bill can land materially higher. I run the reset number before you write.
Real Negotiating Room
About 96 percent of original listA 16 day median with closings near 96 percent of the original asking price. That is a narrow gap, so the win here comes from being ready to move rather than from grinding the price.
Harbour Isles Features
Waterfront Available
7 of the 12 properties front a canal. Verify the seawall condition, the dock permit and the actual depth at low tide before you rely on a listing photo.
Association On Record
A median of $25 a month across 4 of the 12 listings. I pull the budget, the reserve study and the last two years of minutes before you go under contract.
Pools Are Standard
10 of the last 12 had a private pool. On the barrier island the pump, the heater and the screen enclosure age faster than they do inland, so those get inspected separately from the house.
A Very Wide Price Range
From $520,000 to $2,350,000 on the same streets, so condition and location inside the plat decide price far more than the address does.
Original Era Housing
Median year built is 1964. Roof age, wiring and plumbing are the three things that decide both your insurance quote and your first five years of budget.
Garages Are Common
12 of the 12 listings reported a garage, which on the beachside is less common than buyers expect.
Homes For Sale Near Harbour Isles
Nothing is listed inside Harbour Isles at this moment, which happens in a neighborhood this size. Below is every active Indian Harbour Beach listing between $675,000 and $1,775,000, the band Harbour Isles actually trades in. Call me at (321) 212-7676 and I will tell you the day something lists on these streets.
Harbour Isles Frequently Asked Questions
What do homes sell for in Harbour Isles?
The median closed price over the last twelve months was $1,112,500 across twelve sales, ranging $520,000 to $2,350,000. Median price per square foot was $374.
Does Harbour Isles have an HOA?
Yes. The median reported association fee is $25 a month, on 4 of the 12 listings. What it covers varies, so I read the budget, the reserve study and the assessment history before you go under contract.
Is Harbour Isles waterfront?
7 of the 12 properties front a canal. Which water it is changes the price, and on canal or river frontage the seawall, the dock permit and the low tide depth all need checking before you rely on the photos.
Can you negotiate on price in Harbour Isles?
Sellers closed at about 96 percent of original list over the last year. There is some room, and it tends to show up on properties that have already had a price cut. I price the offer off the specific comparable sales, not the neighborhood average.
Are there pool homes in Harbour Isles?
Yes. 10 of the 12 properties have a private pool. On the barrier island the pump, the heater and the screen enclosure age faster than inland, so I have those inspected separately from the structure.
What are property taxes like in Harbour Isles?
The median bill on record is about $7,778, but that is what the current owners pay. Florida caps annual assessment increases for homesteaded owners and the cap resets when the property sells, so your first bill can be materially higher. I run the reset number before you write an offer.
What is the buying process like in Harbour Isles?
I pull the closed comparable sales for the specific street, get a real wind and flood quote inside the inspection period, run the tax reset so the monthly payment you are picturing is the one you will actually have, and read whatever association or deed documents apply. Then we write. Call me at (321) 212-7676.
Indian Harbour Beach, 32937
Harbour Isles sits in Indian Harbour Beach, in the 32937 zip code, on Cat Cay, Bimini, Bahama and Eleuthera. This is the smallest of the beachside cities, wedged between Satellite Beach to the north and Indialantic to the south.
The Eau Gallie Causeway lands right at the northern edge, which gives Indian Harbour Beach the shortest mainland commute of any beach address in the county. Within a mile you can go from a townhouse in the four hundreds to a seven figure island home.
Near Harbour Isles In Indian Harbour Beach
Considering Harbour Isles?
If Harbour Isles is on your list, my partner Nichole and I are the agents to call. We work Indian Harbour Beach every week, we know these streets, and we will tell you straight whether a property is priced right. Reach out anytime at (321) 212-7676.
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