Sarasota, FL
Harbor Acres
One of Sarasota's most prestigious waterfront neighborhoods, estate homes on deep-water canals offering direct Gulf access, south of downtown with no HOA and generous lot sizes.
Status
Established · resale
Price Range (est.)
$700K, $15M+
Home Types
Single Family Estates
Amenity Level
Low
HOA (Yearly) Est.
$100 - $150
CDD (Yearly) Est.
None
Flood Zone
X
Fee estimates may vary by lot size and sub-association. View all community fees →
Community size
134
completed homes on the county roll
Sarasota County property appraiser roll, read October 2026
154
recorded residential lots
Sarasota County property appraiser roll, read October 2026
Amenities & lifestyle
- Deep-water canal access to Gulf
- No HOA
- Generous estate lots
How Harbor Acres compares
From the county records
$5,965,000
Median of 17 recorded sales since October 2023, the middle eighty percent between $1,750,000 and $14,800,000.
51%
Of the 134 matched residential units here claim a homestead exemption, which reads as a mix of homes claimed as a permanent residence and homes that are not.
Newest completion recorded 2026. 6% of the parcels here were completed in the last three years, the most recent in 2026. That is below the share this site treats as actively delivering, so most of what trades here is resale, but it is not finished.
Arm’s-length sales recorded with Sarasota County, read October 2026. Quitclaims, foreclosures, family transfers and pre-construction sales are excluded. Homestead requires the property to be a permanent residence, so the share carrying one is reported here as a share of matched residential units rather than as a count of who lives here. Homestead is a tax filing, not an occupancy count. A rented home can house full-time residents and will never carry the exemption, and an owner who lives here but never filed does not appear in it either. Read it as what share of matched residential units claim the exemption, not as who lives here.
At an estimated $125 a year in combined HOA and CDD, Harbor Acres sits about 99% below the Sarasota median of $13,676, ranking 2 of the 90 Sarasota communities whose fees this site tracks. There is no CDD assessment here, which is what keeps that figure down.
Estimates from the same dataset behind the fee pages and the True Cost Index. Fees vary by lot size and sub-association, and change with each budget.
Harbor Acres also appears in
Governing Documents
HOA & community documents for Harbor Acres
0 documents published by the association and linked to the page each one lives on. Nothing is copied here, so you read whatever they publish today.
Harbor Acres Community Association, Incorporated
AssociationMatched to Harbor Acres because: Florida’s Division of Corporations register records this as an ACTIVE not-for-profit corporation, filed 25 March 1991, with its principal address at 1334 Harbor Drive, Sarasota, FL 34239. HARBOR DRIVE IS INSIDE HARBOR ACRES, so the address does the confirming.
Applicability not settled. WHETHER THIS BODY GOVERNS ANYTHING HAS NOT BEEN ESTABLISHED. Harbor Acres is one of Sarasota’s oldest prestige waterfront neighbourhoods and this site records no association fee for it. An association registered at a private house in a neighbourhood of that age is more often a VOLUNTARY civic group with no power to assess or enforce than a mandatory association. Do not read this as proof of mandatory dues. Equally, do not read the absence of a mandatory association as proof there are no restrictions: lots here may carry recorded deed restrictions, and only a title search shows them.
Who to contact
- Contact role
- Not-for-profit corporation registered with the Florida Division of Corporations
No officer, director or registered agent is listed here. The register publishes them by name and several give a home address; none of that belongs in a public directory of community documents.
Board members and officers are not listed here. They change often, and their names are on the association’s own records and in the state’s corporate filings, which is where they should be read from rather than from a page that cannot keep up.
Harbor Acres Community Association, Incorporated
WHETHER THIS BODY GOVERNS ANYTHING HAS NOT BEEN ESTABLISHED. Harbor Acres is one of Sarasota’s oldest prestige waterfront neighbourhoods and this site records no association fee for it. An association registered at a private house in a neighbourhood of that age is more often a VOLUNTARY civic group with no power to assess or enforce than a mandatory association. Do not read this as proof of mandatory dues. Equally, do not read the absence of a mandatory association as proof there are no restrictions: lots here may carry recorded deed restrictions, and only a title search shows them.
Nothing found is not the same as nothing in force. Every community in Florida with an association has governing documents; this says only that they have not been found in a public place.
The governing body is known and nothing it publishes is public. That is a gap in what has been published, not evidence that the community has no restrictions. This list records what has been found in public, not everything that governs the property. Before an offer I pull the full document set for the specific address along with the association’s budget and financials.
The full document directory →Thinking about Harbor Acres?
I'll send current listings and pricing in Harbor Acres, line up private showings, and give you an honest read on value, HOA/CDD costs, and resale before you commit, no pressure, no obligation.
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Harbor Acres FAQ
Can you still buy a new home in Harbor Acres?+
Harbor Acres is essentially sold out of new construction, so homes here come up as resale. I can set you up with alerts the moment one hits the market and give you an honest read on value before you offer.
How much do homes in Harbor Acres cost?+
The published price guidance for Harbor Acres is an estimate in the $700K, $15M+ range, not a live listing feed or a valuation. Pricing varies by the specific home, condition and lot. Ask me for current listings and recent comparable sales before setting an investment range or an asking price.
What kind of homes are in Harbor Acres?+
Harbor Acres offers single family estates. As single-family housing, the roof, the exterior and the insurance on the structure are yours rather than an association's, which is the main practical difference from a villa or condominium. What a specific home includes, and what the association maintains, is set out in that community's documents and is worth reading before an offer rather than after.
What amenities does Harbor Acres have?+
Harbor Acres offers Deep-water canal access to Gulf, No HOA, Generous estate lots. Worth separating two things that often get blurred together: amenities the HOA maintains and which every owner pays for, and club or golf facilities that may require a separate membership on top. Which category each amenity falls into determines your actual annual cost, and it is set out in the community documents rather than in any listing.
What have homes in Harbor Acres actually sold for?+
17 arm's-length sales have been recorded in Harbor Acres since October 2023, at a median of $5,965,000. The middle eighty percent of those sales fell between $1,750,000 and $14,800,000, which is a better guide to the range than the extremes. These are prices recorded with Sarasota County, not asking prices, so they describe what buyers and sellers actually agreed. Figures read October 2026; quitclaims, foreclosures and family transfers are excluded.
Do people live in Harbor Acres year round?+
51% of the 134 matched residential units in Harbor Acres claim a homestead exemption, which Florida grants only on an owner's permanent residence, read from the Sarasota County roll in October 2026. That reads as a mix of homes claimed as a permanent residence and homes that are not. Homestead is a tax filing, not an occupancy count. A rented home can house full-time residents and will never carry the exemption, and an owner who lives here but never filed does not appear in it either. Read it as what share of matched residential units claim the exemption, not as who lives here.
Is Harbor Acres still being built?+
The most recent home the county records in Harbor Acres was completed in 2026, across 154 platted parcels of which 134 carry a finished home. 6% of its parcels were completed in the last three years, the most recent in 2026. That is below the share this site treats as actively delivering, so most of what trades in Harbor Acres is resale, but it is not finished. Build year matters more in Florida than buyers expect, because insurers weight roof age heavily and it drives what a property costs to carry rather than just what it costs to buy.
Does Harbor Acres have an HOA or CDD fee?+
Harbor Acres has an HOA fee estimated at $100 - $150 yearly, and the fee data for this community records no CDD assessment. A community development district bills through your property taxes rather than through the association, and its assessment can carry two separate components: debt service, which repays the bonds that funded roads, drainage and amenities, and an operations and maintenance charge, which does not end with the bonds. A community without a district avoids both as currently assessed. Figures are estimates, assessments are set annually, and both vary by home and phase, so confirm them for the specific address before relying on them.
What flood zone is Harbor Acres in?+
The flood zone recorded for Harbor Acres is X. Zones beginning A or V are the higher-risk categories, where a federally backed mortgage generally requires flood insurance, while zone X is lower risk and coverage is usually optional. Flood zone is assigned per property rather than per community though, and elevation can change both the requirement and the premium substantially, so get the zone and the elevation certificate for the exact address rather than relying on a community-level figure.
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