Living in Florida's Space Coast
HARBOR ISLAND BEACH CLUB
Harbor Island Beach Club is the neighborhood in Melbourne Beach where $917,400 was the median across 22 closed sales in the last twelve months, the association runs about $576 a month, and sellers closed at about 91 percent of original list. Built 2021 to 2024.
Harbor Island Beach Club In Melbourne Beach, Florida
Harbor Island Beach Club sits in Melbourne Beach, in the 32951 zip code, on Strand, Hafen and A1A. Over the last twelve months 22 of the 35 properties I tracked here actually closed, at a $917,400 median.
The housing stock is 26 condos and 9 single-family homes, built 2021 to 2024. The size range runs 1,652 to 4,653 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 91 percent of original list, one of the softer ratios on the beachside. That usually means listings started high and cut more than once, not that buyers are stealing anything.
15 of the 35 properties are waterfront. That single line is the biggest split inside Harbor Island Beach Club, and a waterfront property and an interior one on the same street should never be priced off each other.
Harbor Island Beach Club At A Glance
Every figure below comes from the last twelve months of Melbourne Beach market data for this neighborhood. Nothing here is an estimate.
| Detail | What you get |
|---|---|
| Housing type | 26 condos and 9 single-family homes |
| Home size range | Roughly 1,652 to 4,653 square feet, median about 1,921 |
| Bedrooms and baths | three to eight bedrooms, three to eight baths |
| Year built | 2021 to 2024, median 2023 |
| Median sold price | $917,400 over the last twelve months |
| Sold price range | $760,000 to $1,300,000 |
| Price per square foot | About $418 median |
| HOA dues | $576 median a month, reported on 35 of 35 listings |
| Waterfront | 15 of 35, on the Indian River |
| Private pools | 9 of 35 |
| Garage | 31 of 35 listings reported a garage |
| Property tax | About $11,867 median annual, ranging widely with assessment history |
| Days on market | 87 days median, at about 91 percent of original asking price |
| Location | Melbourne Beach, 32951 |
Harbor Island Beach Club 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 $11,867 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 91 percent of original listA 87 day median with closings near 91 percent of the original asking price. That is a genuine gap and it is where a prepared buyer makes money.
Harbor Island Beach Club Features
Waterfront Available
15 of the 35 properties front the Indian River. 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 $576 a month across 35 of the 35 listings. I pull the budget, the reserve study and the last two years of minutes before you go under contract.
Pool Homes Here
9 of the last 35 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.
Newer Construction
Median year built is 2023. Newer roofs and newer wiring generally quote better on insurance, which is worth real money here.
Garages Are Common
31 of the 35 listings reported a garage, which on the beachside is less common than buyers expect.
Minutes To The Ocean
The ocean is east and the river west, with A1A running the length of the island south toward Sebastian Inlet and north to the Melbourne Causeway.
Homes For Sale In Harbor Island Beach Club
Every active Harbor Island Beach Club listing, straight from the MLS and updated as it changes.
Harbor Island Beach Club Frequently Asked Questions
What do homes sell for in Harbor Island Beach Club?
The median closed price over the last twelve months was $917,400 across 22 sales, ranging $760,000 to $1,300,000. Median price per square foot was $418.
Does Harbor Island Beach Club have an HOA?
Yes. The median reported association fee is $576 a month, on 35 of the 35 listings. What it covers varies, so I read the budget, the reserve study and the assessment history before you go under contract.
Is Harbor Island Beach Club waterfront?
15 of the 35 properties front the Indian River. 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 Harbor Island Beach Club?
Sellers closed at about 91 percent of original list over the last year. That is softer than most of the beachside, which usually means listings started high rather than that buyers are getting bargains. I price the offer off the specific comparable sales, not the neighborhood average.
Are there pool homes in Harbor Island Beach Club?
Yes. 9 of the 35 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 Harbor Island Beach Club?
The median bill on record is about $11,867, 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 Harbor Island Beach Club?
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.
Melbourne Beach, 32951
Harbor Island Beach Club sits in Melbourne Beach, in the 32951 zip code, on Strand, Hafen and A1A. The town runs south along A1A from the Melbourne Causeway toward Sebastian Inlet, and the further south you go the thinner and quieter the island gets.
That geography is the whole story on price down here. A Melbourne Beach address can mean a 1950s cottage two blocks from the pier or a gated riverfront community fifteen minutes south. Those are different markets that happen to share a post office.
Near Harbor Island Beach Club In Melbourne Beach
Considering Harbor Island Beach Club?
If Harbor Island Beach Club is on your list, my partner Nichole and I are the agents to call. We work Melbourne 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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