Harbor Island Beach Club Homes for Sale

Harbor Island Beach Club is a residential community in Melbourne Beach, Florida. Active listings are currently priced from $879K–$879K.

Pure Equity Realty covers Harbor Island Beach Club and the Melbourne Beach area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows a single listing for Harbor Island Beach Club Melbourne Beach homes for sale as of October 2026. The median asking price is $879,000.

That is 65% below the Melbourne Beach median of $2.5M. On a per-foot basis, homes here ask about $276 per square foot, compared with $786 across Melbourne Beach. So the median price buys roughly 3,200 square feet of living area. With so few listings, though, treat these figures as a snapshot rather than a trend.

Listings here have averaged 434 days on the market. That is slower than the Melbourne Beach average of 212 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Harbor Island Beach Club date from 2021, so they are about 5 years old.

Every one of these homes went up after Florida adopted its statewide building code in 2002. In practice, that usually means impact-rated openings and stronger roof attachment. A wind mitigation inspection documents those features, and Florida insurers must offer premium discounts for them.

Here is what the median Harbor Island Beach Club price means in Florida closing terms. At $879,000, a 20% down payment comes to about $176,000, leaving a loan near $703,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $2,461. Next, the intangible tax of 0.2% adds about $1,406. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Harbor Island Beach Club median, that is about $6,153.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.