Harbour Isles Apollo Beach FL: Gated Homes, Prices, HOA & CDD

By Linda Reynolds, Broker, Reynolds Realty Gulf Coast (License #BK3021695) · Updated November 2026

Harbour Isles is known for space. Lots here are often a quarter acre or more, which is bigger than in many newer Apollo Beach communities, and floor plans run up to about 4,200 square feet. Many homes back up to ponds, and the community is built on roughly 339 acres around a stocked freshwater lake. Despite the name, this is a pond and lake community, not a boating community. Residents who own boats can use the community’s boat and RV storage. For the bigger picture, see my Apollo Beach real estate guide.

What is Harbour Isles like?

Harbour Isles is quiet and residential, with wide streets, sidewalks and open green space. At the center is the clubhouse, with a fitness center, a banquet room and a resort-style pool and spa framed by shaded gazebos. Residents also have basketball and sand volleyball courts, playgrounds, walking trails that wind around the ponds, fishing piers and boat and RV storage. Shopping, dining, marinas and waterfront restaurants along US 41 are close by.

What do homes cost in Harbour Isles?

In 2026, Harbour Isles homes have sold from about $300,000 to $470,000, and homes for sale have been listed from about $315,000 to $680,000. Smaller one-story homes of about 1,800 square feet have listed in the low-to-high $300,000s. Mid-size homes have run in the $400,000s, and the largest homes on bigger lots along Hope Bay Loop and Cockle Shell Loop have listed from about $580,000 to $680,000. Over the past two years, the top sales reached the high $600,000s to about $850,000. Many listings have needed price cuts, so sellers should price carefully.

Prices change month to month. Call or text me for current sales.

Harbour Isles HOA, CDD and schools

The HOA is low, about $100 to $125 a year in recent listings, and is managed by Wise Property Management. The bigger cost is the Harbour Isles CDD, about $2,800 to $3,150 a year, which is included in the property tax bill. Property taxes in recent listings have run from about $7,500 to $10,800 a year with the CDD included. Schools are assigned by Hillsborough County; recent listings have shown Doby Elementary, Eisenhower Middle and Lennard High. Zoning can differ by street, so confirm it for any address. My guide to HOAs, CDDs and 55+ communities explains the fee questions to ask.

What should you know before buying in Harbour Isles?

• Look at the whole tax bill. The CDD adds roughly $230 to $260 a month, so the real cost is much higher than the low HOA suggests.
• Flood zone. Some homes here have shown flood zone AE. Ask for the elevation certificate and check flood insurance. See my South Hillsborough flood zone guide.
• Insurance. Get wind and flood quotes before you make an offer. See my homeowners insurance guide.
• Pond lots. Ask who maintains the pond bank and what you can build near it.
• Roof age. Many homes are 10 to 20 years old, so roof age matters for insurance.
• Homestead exemption. If this will be your permanent home, file for homestead. Here is how homestead works in Hillsborough County.

Selling a home in Harbour Isles

Buyers come to Harbour Isles for big lots and big floor plans, and they compare the CDD carefully. I price your home against recent Harbour Isles sales with a similar lot and size, and point out what buyers pay more for here, such as a pond view, a pool, a newer roof or a three-car garage. Curious what your home is worth? Get a free home value at GulfCoastValues.com, then call me for a real number based on recent Harbour Isles sales.

Harbour Isles questions people ask

Is Harbour Isles a gated community?

Yes. Harbour Isles is gated, with its entrance on US 41 across from MiraBay.

Does Harbour Isles have boat access?

No. The water lots in Harbour Isles face ponds and a freshwater lake, not canals to Tampa Bay. The community does offer boat and RV storage, and public boat ramps and marinas are a short drive away.

Does Harbour Isles have a CDD?

Yes. Most homes pay a Harbour Isles CDD of about $2,800 to $3,150 a year on the property tax bill, in addition to an HOA of about $100 to $125 a year.

What do homes cost in Harbour Isles?

In 2026, homes have sold and listed from about $300,000 to $680,000, with the largest homes on bigger lots at the top of that range.

What amenities does Harbour Isles have?

A clubhouse with a fitness center and banquet room, a resort-style pool and spa, basketball and sand volleyball courts, playgrounds, walking trails, fishing piers and boat and RV storage.

What schools serve Harbour Isles?

Recent listings have shown Doby Elementary, Eisenhower Middle and Lennard High. Hillsborough County sets zoning, so confirm for the specific address.

Is Harbour Isles a 55+ community?

No. Harbour Isles has no age restriction.