Who Harbor Oaks fits
Boaters and anglers who want Harris Chain of Lakes access and low monthly costs in a resident-run community.
Amenities
Clubhouse, heated pool and spa, shuffleboard, horseshoes, petanque, fishing pier, 31-slip covered marina, private boat ramp, Lake Griffin / Harris Chain of Lakes access.
What's near Harbor Oaks
- UF Health Leesburg Hospital, 600 E. Dixie Ave., Leesburg. Full-service hospital in central Lake County.
- UF Health The Villages Hospital, 1451 El Camino Real, The Villages. Hospital serving Lady Lake and The Villages area.
- Lake Griffin State Park: boat ramp, canoe trail and one of Florida's largest live oaks
- Lake Griffin and the Harris Chain of Lakes
- Shopping and dining in neighboring Leesburg and The Villages
- US-27/441 corridor
- US-27/441
- Florida's Turnpike via Leesburg
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Frequently asked questions
Is Harbor Oaks a 55+ community?
Yes. Harbor Oaks is listed as 55+ age-restricted. Under the federal Housing for Older Persons Act, at least 80% of occupied homes must have at least one resident aged 55 or older; check the community's own rules for guests, younger spouses and renters.
What are the HOA fees at Harbor Oaks?
Reported dues are $125 per month as of October 2026. Reported inclusions: Water, sewer, trash, mowing, pool, grounds. Fees vary by home and change over time, so confirm with the HOA.
Is Harbor Oaks gated?
We have not yet confirmed whether Harbor Oaks is gated.
Does Harbor Oaks have a golf course?
There is no golf course in Harbor Oaks.
Who built Harbor Oaks?
Harbor Oaks Homeowners Cooperative. Homes are available as resales only.
How far is Harbor Oaks from a hospital?
About 11 minutes (4.2 mi) by car to UF Health Leesburg Hospital, the nearest Lake County hospital. Times are measured from the community entrance or sales center without traffic and will vary by home.
What healthcare is near Harbor Oaks?
The nearest urgent care is UF Health Leesburg Hospital Urgent Care, about 10 minutes away. The nearest pharmacy is Walgreens, about 3 minutes away. Veterans can use the The Villages VA Clinic, about 24 minutes away. Times are by car without traffic.
Does Harbor Oaks have a CDD fee?
We have not yet confirmed whether this community carries a Community Development District (CDD) assessment. Check the non-ad valorem assessments on a current Lake County tax bill for any home you're considering.
More 55+ communities in Fruitland Park
Last checked October 2026. Sources: public community listings and MLS data. Something out of date? Tell us.