Harbor Island Homes for Sale

Harbor Island is a luxury waterfront, luxury community in North Bay Village, Miami-Dade County, Florida. Properties are priced from $2,000,000 to $6,000,000. Pure Equity lists homes in Harbor Island and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Harbor Island and the North Bay Village 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 5 Harbor Island North Bay Village homes for sale as of September 2026. The median asking price is $2.7M. Asking prices run from $2.0M to $6.0M.

That is 507% above the North Bay Village median of $445,000. On a per-foot basis, homes here ask about $1,425 per square foot, compared with $436 across North Bay Village. So the median price buys roughly 1,900 square feet of living area.

Listings here have averaged 460 days on the market. That is slower than the North Bay Village average of 186 days. Because of that, buyers often have more room to negotiate on price, repairs or closing costs.

Homes listed in Harbor Island date from 2026, so they are about 0 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.

Harbor Island includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

Harbor Island has new construction. Builders usually require your agent to register you on the first visit, so bring your agent or call us before you walk in.

At a median near $2.7M, Harbor Island sits in the luxury tier of North Bay Village. Jumbo financing and proof of funds usually come up early in these negotiations.

Rentals in Harbor Island have a median asking rent of $1,950 per month, across 13 active rental listings. For comparison, the North Bay Village median is $2,800, so rents here run 30% lower.

You can browse current North Bay Village rentals or ask us for a rent estimate on a specific Harbor Island home.

Here is what the median Harbor Island price means in Florida closing terms. At $2.7M, a 20% down payment comes to about $540,000, leaving a loan near $2.16M.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $7,560. Next, the intangible tax of 0.2% adds about $4,320. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $16,200 at this price. Condos and other property types pay a higher rate.

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.

Recent Harbor Island listings show assignments to Treasure Island (elementary), Miami Beach Nautilus (middle) and Miami Beach (high). However, boundaries can change each year, so confirm the assignment for a specific address with Miami-Dade County Public Schools.