Harbour Island Real Estate
HIGHEST PRICE HARBOUR ISLAND LISTINGS
HARBOUR ISLAND FREQUENTLY ASKED QUESTIONS
Q: Is the whole island gated, and how are associations structured?
A: Roughly half of the neighborhoods sit behind 24-hour manned or electronic gates run by the Harbour Island Community Services Association and several sub-associations; the remaining streets are open but still benefit from island-wide security and landscaping standards. Monthly dues differ by enclave and typically cover common-area upkeep, patrols, and limited access control.
Q: How convenient is the commute to work or the airport?
A: Outside rush hour it’s about five minutes to Tampa’s Central Business District and 10–15 minutes to Tampa International Airport. Afternoon peak (4-6 p.m.) can add a few extra minutes, but the island’s two bridges keeps local congestion modest unless there is an event going on at Amilie Arena.
Q. What should buyers know about flood zones and insurance?
A: Harbour Island fronts tidal waters, so some parcels sit in FEMA Special Flood Hazard Zones. Lenders may require separate flood coverage, though many towers include master flood policies in their condo fees. Reviewing Hillsborough County’s latest flood map and an individual property’s elevation certificate is smart due diligence. However, being a planned community and man made island, the elevation is higher than other waterfront locations.
Q: Are there rental or lease restrictions?
A: Most condo associations require board approval and minimum lease terms—often 12 months—while single-family enclaves may set their own rules. Short-term rentals (under 30 days) are generally prohibited, protecting the neighborhood’s residential character.
