Bonita Bay - Harbor Lakes

McGreevy and Comisar are the #1 real estate team in Southwest Florida selling and buying condos in Harbor Lakes at Bonita Bay. Harbor Lakes at Bonita Bay is an 80-condo neighborhood inside the master-planned community of Bonita Bay in Bonita Springs, Florida. All 80 condos belong to one recorded condominium, Harbor Lakes Condominium, and sit in 16 two-story buildings on one street, Lake Harbor Court, built in 1993 and 1994, with heated areas from 1,267 to 1,951 square feet and a garage recorded on every county condo card we could read. Whether you’re ready to sell your Harbor Lakes condo or buy your next one, we’re the team that delivers: Top 1% Real Estate Agents Nationally Since 2008, the #1 team in Southwest Florida since 2012, and over $900 million in personal sales between Jesse McGreevy and Marc Comisar.

The Lee County qualified-deed record shows 21 Harbor Lakes resales in the 60 months since November 2021 at a median of $559,000, ranging from $390,000 to $745,000. Six of those deeds were recorded in the 12 months to September 30, 2026, from $430,800 to $745,000, and the newest, $582,500 for a 1,951-square-foot second-floor unit, was recorded on August 20, 2026. The Southwest Florida MLS, pulled September 30, 2026, counted five Harbor Lakes closings in the 12 months to that date, one condo listed for sale and one under contract. If you are choosing an agent to sell or buy here, our comparison of the best real estate agents in Bonita Springs shows how local agents stack up on the public record.

This guide is built from the Lee County Property Appraiser parcel roll, all 81 of its Harbor Lakes condominium and common-element field cards (80 readable, one withheld), its qualified-sale file (newest recorded Harbor Lakes sale August 20, 2026), Lee County’s parcel and evacuation map layers, the State of Florida’s condominium register and elevator register, the US Geological Survey’s water map, the Bonita Bay Community Association’s recorded Declaration and public pages, FEMA’s National Flood Hazard Layer, the City of Bonita Springs, Florida’s condominium and homeowners’ association statutes and the Southwest Florida MLS figures pulled on September 30, 2026. Where the public record stops, we say so and name the document that answers the question.

By Jesse McGreevy and Marc Comisar, McGreevy and Comisar, Domain Realty Group. Updated November 2026.

Why McGreevy and Comisar Are the Best Realtor for Harbor Lakes

McGreevy and Comisar are the best realtor for Harbor Lakes at Bonita Bay because the case is on the record: the #1 team in Southwest Florida since 2012, Top 1% of agents nationally since 2008, over $900 million in personal sales, and a Harbor Lakes market read built from every qualified Harbor Lakes deed, the county condo cards for all 16 buildings, the state condominium and elevator registers, the master Declaration and FEMA’s flood layer.

If you’re searching for the best realtor for Harbor Lakes in Bonita Bay, Bonita Springs, whether you’re ready to sell your Harbor Lakes condo or buy your next one, McGreevy and Comisar is the team that delivers. We lead Domain Realty Group, the #1 real estate team in Southwest Florida since 2012, Top 1% Nationally since 2008, with over $2.5 billion sold as a team and $900 million in personal sales between Jesse and Marc.

That matters at Harbor Lakes for a specific reason. Harbor Lakes looks uniform from the street, 16 buildings of the same age and style, but the county cards record six different floor plans in two building types, and the plan and the floor decide most of the price. A 1,313-square-foot two-bedroom unit on the ground floor of a six-unit building and a 1,951-square-foot three-bedroom unit on the second floor share a street, a pool and an association, yet on the county record their deeds since 2021 run from $390,000 to $745,000. The prices have also moved: every 2023 deed fell between $505,000 and $680,000, while the 2026 deeds run from $435,000 to $745,000. A listing agent who prices a Harbor Lakes condo from a street average, or from last spring’s sale of a different plan, costs a seller or a buyer real money.

Recent Harbor Lakes track record (last 12 months): In the 12 months to September 30, 2026 we tracked six qualified deeds in the Lee County record, at $430,800 (27091 #102, October 2025), $745,000 (27080 #203, March 2026), $470,000 (27091 #103, March 2026), $435,000 (27061 #102, April 2026), $444,000 (27031 #102, June 2026) and $582,500 (27071 #203, August 2026), for $3,107,300 in volume, and the highest-priced Harbor Lakes sale in that window was $745,000. The Southwest Florida MLS, pulled September 30, 2026, shows five Harbor Lakes closings in the 12 months to that date at a median of 99.5% of their asking prices. We will walk you through every one of those sales.

Honors and recognition:

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

Selling your Harbor Lakes condo? Get a free home valuation → mcgreevyandcomisar.com/home-valuation OR call Jesse direct at (239) 898-6072.

Buying a condo in Harbor Lakes? Call Marc at (239) 287-5873 for a personalized buyer consultation, or read how we represent buyers in Southwest Florida.

Key Takeaways

• Harbor Lakes at Bonita Bay is 80 condominium units in 16 two-story buildings on Lake Harbor Court, lettered A to P on the county roll, plus one 14.25-acre common-element parcel at 27010 Lake Harbor Court that holds the clubhouse, the pool and the spa.
• It is one condominium: Harbor Lakes Condominium, Declaration at Official Records Book 2398, Page 2275, registered with the State of Florida as project PR1P022432 with 80 units, recorded June 21, 1993, and managed by Harbor Lakes Condo Assn Inc (state managing entity MA00020797).
• Eight buildings hold four condos each (1,267, 1,514, 1,677 and 1,951 square feet) and eight hold six (two of 1,313, one of 1,514, two of 1,654 and one of 1,951). That makes 24 two-bedroom and 56 three-bedroom condos, every one with two baths, 40 on the ground floor and 40 on the second.
• Built 1993 (Buildings A to E and M to P) and 1994 (Buildings F to L) on the county roll. Every card we read records a garage of 219 to 259 square feet and a lake view code; no Harbor Lakes building appears on the state elevator register.
• Three ponds of 1.54 to 2.19 acres lie within about 72 feet of every building on the US Geological Survey’s water map, and a mapped marsh of about 30 acres lies within 29 feet of Building J. No Harbor Lakes parcel touches a golf course parcel; the nearest Bonita Bay Club course parcel is about 1,070 feet from the common element.
• The Lee County qualified-deed record shows 21 Harbor Lakes resales in the 60 months since November 2021, median $559,000, range $390,000 to $745,000, median $349 per heated square foot. By plan, the 1,313-square-foot two-bedroom units recorded a $435,000 median on five deeds and the 1,654-square-foot three-bedroom units $617,000 on four.
• Southwest Florida MLS, pulled September 30, 2026: five closings in 12 months ($430,800 to $745,000, median $444,000, median 99.5% of asking, median 3 days on market), one active listing asking $539,000, one under contract asking $469,000, and two condos listed for rent at $4,500 a month off season ($7,200 and $7,500 in season).
• Owners belong to the Harbor Lakes condominium association and to the Bonita Bay Community Association (state document N07041). Neither publishes its assessment on a public page, and the Bonita Bay Club is optional and separate. Bonita Bay has no Community Development District and no special taxing district.
• FEMA maps every Harbor Lakes building in Zone AE, a Special Flood Hazard Area, with a base flood elevation of 10 feet (NAVD88) on panel 12071C0652G (effective November 17, 2022), inside Lee County Evacuation Zone A. Flood insurance is required for a federally backed mortgage on a building in Zone AE.
• The buildings are two stories, below the three-habitable-story line, so Florida’s milestone inspection and structural integrity reserve study laws do not apply to them by statute; the association still budgets reserves for roofs, paint and paving.
• Sandpiper, next door, sells lower ($412,500 median on 35 deeds); the Crossings, 0.53 mile away, sells higher ($649,900 on 13 deeds) with elevator buildings and building centers outside the flood hazard area. Both have full guides of their own.

Table of Contents

Harbor Lakes at Bonita Bay, section by section. Each link below jumps to its part of this guide, from the county deed record and the six floor plans to the garages, the ponds and golf course measurements, the flood map, the comparison with the Crossings, the seller section and the sources behind every figure.

• Living in Harbor Lakes at Bonita Bay as a Homebuyer
• Harbor Lakes Market Snapshot: What Harbor Lakes Condos Sell For
• How Did Harbor Lakes at Bonita Bay Come to Be?
• The Four-Unit Buildings: 32 Harbor Lakes Condos in Eight Buildings
• The Six-Unit Buildings: 48 Harbor Lakes Condos in Eight Buildings
• The Clubhouse, Pool and Spa: Harbor Lakes’ Common Element
• The Homes: Plans, Floors and Garages Across Harbor Lakes
• What Amenities Come With a Harbor Lakes Condo?
• The Bonita Bay Marina: Boating Access for Harbor Lakes Owners
• The Bonita Bay Club: Optional and Separate
• What Are the HOA Fees at Harbor Lakes?
• Special Assessments: What to Verify Before Closing
• Harbor Lakes Governing Documents, Bylaws and Rules
• Is Harbor Lakes a 55+ Community?
• Can You Rent Out a Harbor Lakes Condo?
• Pet Rules at Harbor Lakes
• FEMA Flood Zone, Hurricane Ian and Storm Posture at Harbor Lakes
• Insuring a Harbor Lakes Condo
• Florida’s Condo Safety Laws at Harbor Lakes: SB 4-D, HB 913, Milestone Inspections and SIRS
• Which Schools Serve Harbor Lakes?
• City Permits for Harbor Lakes Condos
• What Is Around Harbor Lakes? Zoning and Land Use
• Daily Logistics at Harbor Lakes
• Where Harbor Lakes Sits in the Region
• How Does Harbor Lakes Compare With Other Bonita Bay Neighborhoods?
• Harbor Lakes vs the Crossings: Which Bonita Bay Condominium Should You Choose?
• Honest Pros and Cons of Owning in Harbor Lakes
• Thinking of Selling Your Harbor Lakes Condo? List With the #1 Team in Southwest Florida Since 2012
• Understanding the Broader Bonita Bay Investment Context
• Bonita Springs: Why the Address Matters
• Your Local Real Estate Experts
• Frequently Asked Questions, Buyer Edition
• Frequently Asked Questions, Seller Edition
• Sources and Authoritative References
• Downloadable Documents

Living in Harbor Lakes at Bonita Bay as a Homebuyer

Living in Harbor Lakes at Bonita Bay means a two-story condominium building on Lake Harbor Court, a garage, a screened porch or glass lanai, a pond outside, and a shared clubhouse, pool and spa, inside Bonita Bay’s gates with its paths, parks and Private Beach through the master association, about 0.73 mile from the master association office on Bonita Bay Boulevard.

The county roll places every Harbor Lakes condo on Lake Harbor Court, and every Lake Harbor Court parcel carries a Harbor Lakes legal description: one of the 80 units, or the one common element. The neighbors are close. On the county parcel layer, the Harbor Lakes common element touches master association land on three sides, including the road parcel for Bonita Bay Boulevard and Lakeway Circle, and touches a single-family lot on Lakeway Court; the Sandpiper at Bonita Bay common element lies about 94 feet away and the Lakeside at Bonita Bay common element about 159 feet away. By our straight-line measurement from the center of the 16 Harbor Lakes buildings, Sandpiper at 4111 Lake Forest Drive is about 0.08 mile away, the Bayhead Drive buildings of Lakeside and Greenbriar about 0.27 mile, Wedgewood about 0.32 mile, the Bonita Bay Club address at 26660 Country Club Drive about 0.66 mile and the Promenade at 26811 South Bay Drive about 0.75 mile.

What Harbor Lakes Is

One condominium, 16 buildings and 80 condos. The county roll, the county condo cards and the state register describe Harbor Lakes as a single recorded condominium in two building types:

The one common-element parcel, 27010 Lake Harbor Court, covers about 14.25 acres on the county parcel layer and is recorded as the condominium’s common elements under the same Declaration. Its county card lists a clubhouse building of 1993, a commercial swimming pool of 910 square feet, a Jacuzzi, 3,887 square feet of brick and tile patio and 320 feet of four-foot aluminum fence, and the three ponds described below lie within or along it.

What Harbor Lakes Is Not

Harbor Lakes is not a single-family neighborhood. Every Harbor Lakes home is a condominium unit coded 04 by the county, and the condominium is registered with the State of Florida (DBPR condominium register extract) with one association. It is not on the golf course: the nearest Bonita Bay Club course parcel, part of the Marsh course, lies about 1,070 feet from the common element on the county parcel layer, and no Harbor Lakes parcel touches a course parcel. It is not a harbor or a boating address, despite the name: no county card or parcel record shows a dock, boat lift or seawall, and the ponds are part of the stormwater system. It has no elevator building and no tower; every unit is on the first or second floor. And it is not Harbor Lakes of Naples, an unrelated 54-unit condominium in Collier County that appears on the same state register, nor the Harbor Lakes community on Lake Granbury in Texas whose homeowners’ website turns up in searches.

Sixteen Buildings on Lake Harbor Court

The buildings run in pairs down both sides of the street. On the odd side, in address order, are A (27011), B (27021), C (27031), D (27041), E (27051), F (27061), G (27071), H (27081) and I (27091); on the even side are P (27020), O (27030), N (27040), M (27050), L (27070), K (27080) and J (27090), with the common elements at 27010. Each four-unit building has units 101 and 102 on the ground floor and 201 and 202 above; each six-unit building has 101, 102 and 103 on the ground floor and 201, 202 and 203 above. A unit’s number tells a buyer its floor, and its building letter tells the plan set.

The Ponds, the Marsh and the Golf Course, Measured

The live description of Harbor Lakes promises lake views, and the record supports it. Every one of the 79 Harbor Lakes unit cards we could read gives “lake” as the view code and “frontage” as the location code; the 80th card is withheld on the county roll. The US Geological Survey’s National Hydrography Dataset (USGS National Hydrography Dataset map service) maps three ponds inside or beside the common element, and we measured each building against them on November 1, 2026: a 1.57-acre pond lies about 15 to 37 feet from Buildings B, C, D, E, F, H and I and about 66 and 72 feet from G and A; a 1.54-acre pond lies about 19 to 25 feet from Buildings M, N, O and P; and a 2.19-acre pond lies about 45 to 55 feet from J, K and L. The same map shows a swamp and marsh feature of about 30 acres within about 29 feet of Building J, 45 feet of A and 58 feet of I, and a much larger marsh system beginning about 130 feet from the common element. On Lee County’s parcel layer (Lee County parcel layer), the closest Bonita Bay Club course parcel, part of the Marsh course, is about 1,070 feet from the common element and about 1,240 feet from Building P. A view code is the Property Appraiser’s classification, not a promise of a view from a particular window, and a ground-floor unit and a second-floor unit in the same building see different things. Walk the unit and the porch before you rely on one.

The Path System and the Parks

Bonita Bay has 12 miles of walking and biking paths connecting its neighborhoods, parks and the Club campuses, inside a gated community of 3,346 residences on about 2,400 acres (BBCA Media Brochure, January 2026). Harbor Lakes owners share the three waterside parks (Estero Bay Park, Riverwalk Park on the Imperial River and Spring Creek Park) and the Private Beach on the Gulf with the rest of Bonita Bay (BBCA, the parks of Bonita Bay). From Lake Harbor Court, the paths along Bonita Bay Boulevard are the everyday route to all of them.

Ready to Tour or Sell in Harbor Lakes? Talk to McGreevy and Comisar

McGreevy and Comisar, Top 1% Real Estate Agents Nationally Since 2008, sell and buy in Harbor Lakes, an 80-condo corner of Bonita Bay where the plan, the floor, the condition and the flood paperwork decide most of the price. Selling a Harbor Lakes condo? Start with a free Harbor Lakes home valuation, or call Jesse direct at (239) 898-6072. Buying on Lake Harbor Court? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida. If you want to see what is listed right now, our Domain Realty Group team keeps the current Harbor Lakes at Bonita Bay homes for sale on its own site.

Harbor Lakes Market Snapshot: What Harbor Lakes Condos Sell For

Data updated: November 2026. Harbor Lakes at Bonita Bay recorded 21 qualified resales in the 60 months since November 2021 at a $559,000 median, from $390,000 to $745,000, in the Lee County Property Appraiser recorded sales, through September 2026. The county deed records run through the newest recorded Harbor Lakes sale, August 20, 2026, and the MLS figures below are from the Southwest Florida MLS pull of September 30, 2026.

Two sources describe the same market from two angles. The Lee County Property Appraiser’s qualified-sale file records the deed consideration for every arm’s-length sale the Property Appraiser accepts as a market sale, and it is the primary recent-sales source on this page. The Southwest Florida MLS records the reported closing price of homes marketed through the MLS, plus asking prices, days on market and active listings, which the deed record cannot show. Where the two disagree on a sale, this page publishes the deed figure as the sale price and names the MLS figure once with its date; the county records the deed consideration, while the MLS records the reported closing price. They are never averaged. Twenty-one sales across six floor plans is a modest sample, and we say so wherever a figure leans on it.

Why a 60-Month Window

An 80-condo neighborhood does not produce 10 qualified deeds every year. Harbor Lakes recorded six qualified deeds in the 12 months to September 30, 2026 and 21 in the 60 months since November 2021, so the 60-month window is the shortest one that gives a median worth quoting. Run back over the whole county record, Harbor Lakes shows 227 qualified sales since June 1993, most of them first sales and resales at the prices of the 1990s, 2000s and 2010s. That all-history figure describes a different market, not today’s, so this page does not quote it as a current price. Every figure below is re-derived from the county’s sale rows joined to its parcel roll, matched by street (Lake Harbor Court) rather than by the plat name, counting rows, not text. Twelve other transfers recorded in the window, mostly $0 and $100 deeds and one $208,926 transfer the county did not qualify, are not market sales and are left out.

The 60-Month County Record: 21 Harbor Lakes Resales

The 21 deeds total $11,595,200. Twenty-one is an odd count, so the median is the eleventh price in order: sorted, they run $390,000, $430,800, $435,000, $444,000, $465,000, $470,000, $505,000, $525,000, $530,000, $550,000, $559,000, $575,000, $582,500, $595,000, $600,000, $609,000, $625,000, $639,900, $640,000, $680,000 and $745,000, and the eleventh is $559,000. Sorted the same way, the price per heated square foot runs from $277 to $393, and the eleventh of the 21 is $349 (27030 #202, $680,000 on 1,951 square feet). Every one of the 21 is a different unit, and they spread across 11 of the 16 buildings. The turnover works out to 21 deeds on 80 condos in five years, or about 26%.

Six Floor Plans, Six Price Bands

The six plans are six different products on the county roll, so we split the record, knowing that each piece is thinner still.

The ground-floor two-bedroom plan is the entry point: its five deeds run from $390,000 to $505,000, and the four since 2025 sit within $54,000 of each other. The second-floor 1,654-square-foot plan carried the highest median, $617,000, but all four of its deeds are from 2023 to early 2025. The 1,951-square-foot plan holds the street’s record, $745,000 in March 2026, and also one of its widest spreads: the same plan sold for $582,500 five months later. Three deeds cannot say whether that gap is condition, outlook, timing or a difference in the sale itself. No 1,267-square-foot unit recorded a qualified deed in the window.

The Drift From 2023 to 2026

Read by year, the county record shows Harbor Lakes prices loosening after 2023 rather than climbing in a line. The one 2022 deed was $640,000. The six 2023 deeds all fell between $505,000 and $680,000, a $577,000 median. The two 2024 deeds were $609,000 and $625,000. The seven 2025 deeds ran from $390,000 to $639,900 at a $525,000 median, and the five 2026 deeds run from $435,000 to $745,000 at a $470,000 median. Part of that is the mix: three of the five 2026 deeds are ground-floor units, two of them 1,313-square-foot two-bedroom units. Plan for plan, the drift still shows: the 1,313-square-foot plan sold for $505,000 in December 2023 and for $430,800 to $444,000 in late 2025 and 2026, and the 1,514-square-foot plan went from $595,000 and $559,000 in 2023 to $470,000 in March 2026. A seller pricing from a 2023 sale, or a buyer assuming every unit has moved the same way, misreads the record.

The Last 12 Months of Deeds

Fewer than 10 Harbor Lakes deeds were recorded in the 12 months to September 30, 2026, so we list them rather than quote a median: $430,800 (27091 Lake Harbor Court #102, October 31, 2025), $745,000 (27080 #203, March 2, 2026), $470,000 (27091 #103, March 16, 2026), $435,000 (27061 #102, April 15, 2026), $444,000 (27031 #102, June 30, 2026) and $582,500 (27071 #203, August 20, 2026), for $3,107,300 in volume. The county index holds Lee County qualified sales through September 25, 2026, and the county cards generated on November 1, 2026 show no later Harbor Lakes deed.

The Southwest Florida MLS, Pulled September 30, 2026

The Southwest Florida MLS, pulled September 30, 2026, counted five Harbor Lakes closings in the 12 months to that date, at a median of $444,000 and a median of 99.5% of their asking prices, with a median of three days on market. One more row in the same pull, 27071 #203 at $582,500 on August 20, 2026, carries a different sold status code and no days-on-market figure, so we report it separately; the county deed confirms that sale at the same price and date. On the pull date one Harbor Lakes condo was listed for sale and one was under contract.

Three of the five sold at or within half a percent of their asking prices within three days; two sat 181 and 203 days, and the slower of those two closed $54,200 below its asking price. Five sales are five sales, not a days-on-market norm. The three quick sales closed within half a percent of their asking prices; the two slow ones closed 1.9% and 11.2% below theirs, which reads as an asking price set above what buyers would pay that season.

On the market on the pull date (asking prices, dated September 30, 2026, not values):

An asking price is a seller’s opening position, not a value, and these two are dated to the pull. Two comparisons are still worth stating: the active 1,677-square-foot unit had been listed 420 days, and the four 1,677-square-foot deeds in the window ran from $465,000 to $640,000; the pending 1,514-square-foot unit at 27071 #103 recorded a $595,000 deed in April 2023 and was under contract at an asking price of $469,000 after 259 days on market. The record does not say why, and we do not guess.

When the County and the MLS Disagree

On price, the two records agree on every Harbor Lakes sale in the pull: each MLS closing matches a qualified county deed at the same price. On date, they differ once: 27091 #102 closed on November 4, 2025 in the MLS and carries an October 31, 2025 deed date in the county file. The rule this page follows still applies: where the two differ, the deed figure is the sale record and the MLS figure is named once with its date, because the county records the deed consideration and its recording, and the MLS the reported closing. They are never averaged.

Square Footage: County Versus MLS

On the five sold rows the MLS living areas match the county heated areas exactly (1,313, 1,514 and 1,951 square feet), which is unusual and makes the two price-per-square-foot yardsticks interchangeable here. The rental rows differ once: the MLS lists 27080 #201 at 1,764 square feet against the county’s 1,654. The county cards record the garage (219 to 259 square feet) and the porch or lanai (194 to 240 square feet) separately from heated area; a listing that counts either will show a larger number. Use one yardstick at a time, and ask a listing what its living area includes.

Plan, Floor and Price at Harbor Lakes

Within the 21 deeds, the plan and the floor explain more than anything else. Four of the five lowest prices, $390,000 to $444,000, are 1,313-square-foot ground-floor two-bedroom units, and the fifth, $465,000 for a second-floor 1,677-square-foot unit in May 2025, carries the street’s lowest price per square foot, $277; the four highest, $639,900 to $745,000, are all second-floor units. The county’s 2025 values point the same way: the 40 ground-floor units carry a median value of $343,237 and the 40 second-floor units $396,786, and the full set runs from $332,835 for the 1,267-square-foot plan to $434,409 for the 1,951-square-foot plan. Building type matters less than floor: the 1,514-square-foot plan exists in both the four-unit and six-unit buildings, and its deeds overlap across the two. Price each plan, and each floor, as its own product.

The Longer View

The county sale file records Harbor Lakes’ first prices: 58 first sales in 1993 and 1994 ran from $124,300 for a 1,313-square-foot two-bedroom unit to $257,900 for a 1,951-square-foot unit, with the 1,267-square-foot plan at $133,600 to $143,000 and the 1,654-square-foot plan at $162,300 to $190,200. Repeat sales show the long arc. 27080 #203, a 1,951-square-foot second-floor unit, recorded $250,000 in 1998, $350,000 in 2005, $394,000 in 2019 and $745,000 in March 2026. 27071 #203, the same plan, recorded $227,000 in 1994, $353,000 in 2021 and $582,500 in August 2026. 27030 #201 went from $160,400 in 1993 to $640,000 in 2022 with no qualified sale between. 27091 #103, a 1,514-square-foot ground-floor unit, recorded $192,700 in 1994, $216,300 in 2001, $345,000 in 2017 and $470,000 in 2026. By year, the county medians ran between $325,000 and $390,000 from 2016 through 2021 before the 2022 and 2023 deeds reset the range. The deed record does not say why a price moved, and we do not guess; the disclosures and the unit itself explain a specific sale.

How Harbor Lakes Compares on the Same Yardstick

The table below runs the same county measure for Harbor Lakes and the Bonita Bay condominium neighborhoods closest to it on price or position: qualified improved deeds recorded in the 60 months since November 2021, from the same Lee County index, with each neighborhood matched by its own street where the street holds only that neighborhood, and by its recorded declarations where a street is shared.

Harbor Lakes sits in the middle of this table on median price, $1,500 above Lakeside (on only six Lakeside deeds) and $19,000 above Greenbriar, two low-rise neighborhoods on Bayhead Drive about a quarter mile away. Sandpiper, next door on Lake Forest Drive and built in the same years, sells $146,500 lower on smaller plans, and Wild Pines lower still on far smaller ones. Wedgewood and the Crossings sit $76,000 to $90,900 above with elevator buildings in the mix. Harbor Lakes’ $349 median per square foot sits in the middle of the table, fourth of the seven.

What the Market Numbers Mean for Buyers and Sellers

For a buyer, the record says Harbor Lakes offers a garage, two or three bedrooms and a pond outside at a price in the middle of Bonita Bay’s condominium ladder, with six plans from about 1,270 to about 1,950 square feet and one listing and one pending on the September 30, 2026 pull. It also says the price per square foot has eased since 2023 on the plans that resold, that every building is in a FEMA flood hazard area, and that three of the five MLS closings went under contract within three days at or near their asking prices. For a seller, the same record says the price has to be built from the closest unit on the same floor and in the same plan, not from the street median: a 1,313-square-foot ground-floor unit and a 1,951-square-foot second-floor unit are different products, and the 2026 deeds, not the 2023 ones, are the test. Plan, floor, condition, the porch enclosure and the flood paperwork explain most of the spread. Selling? Start with a free Harbor Lakes home valuation, or call Jesse direct at (239) 898-6072. Buying? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

How Did Harbor Lakes at Bonita Bay Come to Be?

Harbor Lakes at Bonita Bay grew out of the Bonita Bay master plan as a single condominium built in two years: the Declaration was recorded and the first sales closed in 1993, the county dates nine buildings to 1993 and seven to 1994, and all 80 units share one common element with a clubhouse, pool and spa dated 1993.

Bonita Bay Group and the Master Plan

Bonita Bay was developed by the Bonita Bay Group as a privately funded master-planned community (Phoenix Bay Ventures, our legacy). The Bonita Bay Community Association, the master association, was filed with the state on January 10, 1985 (Sunbiz document N07041), and the original Declaration of General Protective Covenants and Restrictions for Bonita Bay was recorded at Official Records Book 1778, Page 3516 on April 3, 1985. Today the master association describes about 2,400 acres and 3,346 residences across condominiums, high-rises, coach homes and single-family neighborhoods (BBCA Media Brochure, January 2026), framed by Spring Creek, the Imperial River and Estero Bay (BBCA, vision). Bonita Bay lies inside the City of Bonita Springs, whose residents voted in 1999 to incorporate (City of Bonita Springs, history), six years after the first Harbor Lakes deeds.

One Declaration, Built in Two Years

The state register lists Harbor Lakes Condo as project PR1P022432, file 53286, 80 units, recorded June 21, 1993, status approved and recorded (Florida DBPR condominium register extract). The county legal descriptions cite the Declaration at Official Records Book 2398, Page 2275 for every unit and for the common elements, and the legal descriptions of Buildings F, G, H, K and L also cite later recorded instruments (Book 2463, Page 2254; Book 2493, Page 421; Book 2494, Page 616), which a title search pulls with the Declaration; we have not read them. The county roll dates Buildings A to E and M to P to 1993 and Buildings F to L to 1994, and the first qualified deeds in the county file are dated June 1993, the month the condominium was recorded. We do not name a builder, because no primary record we read identifies one.

The Association Today

Each Harbor Lakes owner belongs to the condominium association and to the Bonita Bay Community Association. The state condominium register, read on November 1, 2026, names the managing entity as Harbor Lakes Condo Assn Inc (MA00020797), and the county card for the common elements lists Harbor Lakes Condo Association as their owner of record. Florida corporate records read in June 2026 list Harbor Lakes Condominium Association, Inc. as a not-for-profit corporation under document N93000002624. The state’s corporate search refused our automated check on November 1, 2026, so confirm the association’s current record with the Division of Corporations and in the documents delivered with a sale. The master association is a Florida not-for-profit corporation (document N07041) operating as a homeowners’ association under Chapter 720, Florida Statutes.

The Four-Unit Buildings: 32 Harbor Lakes Condos in Eight Buildings

Harbor Lakes’ eight four-unit buildings (A, B, D, E, H, M, N and O) hold 32 condos, each building with a 1,267-square-foot two-bedroom unit and a 1,514-square-foot three-bedroom unit on the ground floor and a 1,677-square-foot and a 1,951-square-foot three-bedroom unit on the second, all with two baths and a garage on the county card, built in 1993 except Building H (1994).

We read all 32 four-unit cards at the Lee County Property Appraiser on November 1, 2026 (Lee County Property Appraiser). Every card carries the condominium use code 04, the improvement type “Condominium, low rise, 1 to 3 floors,” the complex name Harbor Lakes, an actual year built of 1993 and an effective year built of 1994, a lake view code and the recreation codes golf course, clubhouse and community pool. The plan stack repeats in every building:

Each second-floor card also records a small separate base area of 92 square feet (unit 201) or 116 square feet (unit 202) on top of the main living area; on a two-story plan that ground-level piece typically holds the private entry and stair, which a tour confirms. The porch is screened on most cards; the county records a glass-enclosed lanai instead on 27021 #201, 27051 #102, 27051 #202 and 27081 #201. The four-unit buildings’ 2025 county values run from $332,835 to $434,409 (median $386,385, total $12,394,782). Eight of Harbor Lakes’ 21 qualified deeds in the 60-month window came from these buildings, at a $567,000 median and $353 per heated square foot, from $465,000 (27051 #201, May 2025) to $680,000 (27030 #202, May 2023). No 1,267-square-foot unit recorded a qualified deed in the window, so the smallest plan’s current price is a question for the active listings and the closest two-bedroom sales in the six-unit buildings.

The Six-Unit Buildings: 48 Harbor Lakes Condos in Eight Buildings

Harbor Lakes’ eight six-unit buildings (C, F, G, I, J, K, L and P) hold 48 condos, each building with two 1,313-square-foot two-bedroom units and one 1,514-square-foot three-bedroom unit on the ground floor and two 1,654-square-foot and one 1,951-square-foot three-bedroom units on the second, all with two baths and a garage on the county card, built in 1993 (C and P) or 1994 (the other six).

The 47 six-unit cards we could read (the 48th, 27091 #101, has its owner record withheld on the county roll; the parcel layer gives it the same 1,313-square-foot, two-bedroom plan) carry the same use code, improvement type, complex name, view code and recreation codes as the four-unit buildings.

The second-floor 1,654-square-foot cards record a separate base area of 151 square feet and the 1,951-square-foot cards 116 square feet, the same pattern as the four-unit buildings. Glass lanais appear on 27091 #201 and 27080 #103; the rest are screened. The six-unit buildings’ 2025 county values run from $342,424 to $434,409 (median $381,916, total $18,203,815). Thirteen of the 21 qualified deeds came from these buildings, at a $530,000 median and $338 per heated square foot, from $390,000 (27080 #101, April 2025) to $745,000 (27080 #203, March 2026), including all five of the 1,313-square-foot deeds and all four of the 1,654-square-foot deeds. Every 2026 deed in the county file is from a six-unit building.

The Clubhouse, Pool and Spa: Harbor Lakes’ Common Element

Harbor Lakes’ shared facilities sit on one 14.25-acre common-element parcel at 27010 Lake Harbor Court, recorded under the Declaration at Official Records Book 2398, Page 2275, whose county card lists a one-story clubhouse building from 1993, a 910-square-foot commercial pool, a Jacuzzi, 3,887 square feet of brick and tile patio and 320 feet of four-foot aluminum fence.

The common-element card (Lee County Property Appraiser card, 27010 Lake Harbor Ct), generated November 1, 2026, classifies the building as a health and clubhouse improvement: concrete block and stucco walls, a wood truss roof with concrete tile, ceramic tile floors, 439 square feet of finished base area, 831 square feet of semi-finished base area and a 1,041-square-foot open porch. Its extra features, all dated 1993, are the pool, the patio, the fence and the Jacuzzi. The card records no tennis, pickleball or other court, so we do not list one; if a listing or a summary mentions courts, the association’s documents and a walk of the grounds settle it. The ponds and much of the grounds between the buildings are part of the same parcel. Who may use the clubhouse and pool, the hours and any reservation rules are set by the Declaration and the association’s rules, delivered with the resale documents.

The Homes: Plans, Floors and Garages Across Harbor Lakes

Harbor Lakes’ 80 condos come in six county plans, from a 1,267-square-foot two-bedroom unit to a 1,951-square-foot three-bedroom unit, split evenly between the ground floor and the second floor of 16 two-story buildings, every one with two baths and a garage on the county record and none served by an elevator.

Side by Side

Construction and Condition: What to Inspect

Harbor Lakes’ buildings are 32 and 33 years old. The common-element card records concrete block and stucco with a concrete tile roof for the clubhouse, and the unit cards record the condominium improvement type rather than the building shell, so the building’s own construction, roof age and any re-roofing are questions for the association’s records and the City’s permit history. In a condominium the roof, structure and building envelope are condominium property, so a unit inspection focuses on the unit (air conditioning, water heater, windows and sliders, plumbing, electrical panel, the porch or lanai enclosure and the garage door and opener) and the documents focus on the buildings (the budget, the reserve schedule, the insurance and the board’s recent minutes). On a ground-floor unit in a Zone AE building, add the floor elevation against the 10-foot base flood elevation, which is on the building’s elevation certificate. Permit history by address from the City of Bonita Springs shows when roofs, air conditioning and windows were last permitted.

How the County Values Harbor Lakes Condos

The 2025 county market values for all 80 Harbor Lakes condos total $30,598,597, from $332,835 to $434,409, with a median of $381,916: the four-unit buildings $12,394,782 and the six-unit buildings $18,203,815. Plan sets the value more than anything: every 1,951-square-foot unit is valued at $433,352 or $434,409, and almost every 1,313-square-foot unit at $342,424 or $343,237. A handful of units are valued above the rest of their plan, among them the glass-lanai units at 27021 #201 ($426,446) and 27051 #102 ($401,336); the card does not say why. County values lag recorded prices and are not appraisals; every one of the 21 deeds in the market section sits above its unit’s 2025 county value, which is normal in Florida, where assessment rules and the valuation date run behind the market. Use the values to compare units with each other, not to price one.

What Amenities Come With a Harbor Lakes Condo?

A Harbor Lakes condo comes with the condominium’s own clubhouse, pool and spa on the common element at 27010 Lake Harbor Court, plus Bonita Bay’s paths, three waterside parks, gated entry, Community Patrol and Private Beach through the master association; the Bonita Bay Club’s golf, racquet sports, fitness and dining come only if you join, and marina slips only if you rent them.

Harbor Lakes’ Own Facilities

Harbor Lakes’ own grounds are one common-element parcel of about 14.25 acres at 27010 Lake Harbor Court, recorded under the Declaration at Official Records Book 2398, Page 2275. Its county card, generated November 1, 2026, lists a one-story clubhouse building of 1993 with 439 square feet of finished area, 831 square feet of semi-finished area and a 1,041-square-foot open porch; a 910-square-foot commercial pool; a Jacuzzi; 3,887 square feet of brick and tile patio; and 320 feet of four-foot aluminum fence. Every one of the 79 readable unit cards carries the club house and community pool recreation codes. The card records no tennis, pickleball or other court, so we list none. The three ponds and much of the lawn between the buildings lie within or along the same parcel. Who may use the clubhouse and pool, the hours and any guest or reservation rules are set by the Declaration and the association’s rules; read them in the disclosure package and walk the grounds before you rely on any listing description.

Bonita Bay Master Amenities: No Club Required

Every Harbor Lakes owner is automatically a member of the Bonita Bay Community Association, which maintains “grounds, roads, streetlights, lake and storm water management, plus all of our recreational parks including the Private Beach,” runs the Community Patrol and staffs the Design Review Department (BBCA, Community Association). Homeowners “gain membership and access to all Association amenities” (BBCA, realtor and buyer resources). None of this requires a Club membership.

A Gated Community With Its Own Patrol

Bonita Bay is gated, and the master association’s Community Patrol works inside the gates (BBCA, Community Association). Visitor and vendor access runs through the association’s procedures, delivered with the documents at purchase. Law enforcement is the Lee County Sheriff’s Office. On the county parcel layer the Harbor Lakes common element touches the master association’s road parcel for Bonita Bay Boulevard and Lakeway Circle, so Lake Harbor Court opens directly onto the community’s main internal road.

Three Waterside Parks

Bonita Bay has “three onsite parks and a Private Beach located only a short drive from the front gates” (BBCA, the parks of Bonita Bay). Estero Bay Park, in the northwestern corner, has an 800-foot boardwalk through coastal mangroves to a private pier on Estero Bay, a butterfly garden, nature trails and shell mounds the association dates to 5,000 years ago. Riverwalk Park, on the Imperial River along the southern edge, has a boat ramp, kayak storage and launch, bocce and pickleball. Spring Creek Park, on the northern border, has a kayak and canoe launch dock, bocce and an observation deck. The master association’s maps show where they are (BBCA property maps; facilities and amenities map; neighborhoods map).

The Private Beach

Bonita Bay’s Private Beach is a Gulf-front facility owned by the master association on Hickory Boulevard, outside the main gates. It “sustained total destruction during Hurricane Ian,” was rebuilt in concrete with breakaway walls and reopened on November 13 (BBCA, Private Beach). It is an amenity of every Harbor Lakes owner through the master association, with a resident shuttle.

Paths, Programming and Recognition

The 12 miles of paths (trails map) connect Lake Harbor Court to the parks and the Club campuses. The master association lists its grounds and environmental awards, including its Audubon certification, in its 2026 awards summary (BBCA Awards and Recognitions 2026), and its lifestyle page describes community programming (BBCA, style of living). For a Harbor Lakes owner, the three ponds inside the condominium and the mapped marsh beside Buildings J, A and I are the everyday setting.

The Bonita Bay Marina: Boating Access for Harbor Lakes Owners

Harbor Lakes at Bonita Bay has no private docks despite its name: no Harbor Lakes card or parcel record shows a dock, boat lift or seawall, and its ponds are stormwater ponds. A Harbor Lakes owner who boats uses the separately owned Bonita Bay Marina on the Imperial River, at extra cost, or the master association’s Riverwalk Park boat ramp and kayak launch.

The Bonita Bay Marina is a semi-private, full-service marina on the Imperial River with direct access to Estero Bay and the Gulf, “created and owned by a group of resident investors” and operated separately from both the master association and the Club. The master association lists 326 dry storage spaces for boats up to 36 feet and 98 wet slips for vessels up to 16,000 pounds, with a ship’s store, boat launch, bait, fuel and on-site repair; additional fees apply (BBCA, marina and Backwater Jacks). The January 2026 brochure confirms that the Marina and the Club “operate as separately owned and managed member-exclusive entities.” Spotlight News reported that 39 resident investors bought the marina and restaurant in July 2013 (Spotlight News).

The specification that matters most is draft: the marina publishes a maximum draft of 36 inches, set by its permitting agreement (Bonita Bay Marina, about the marina). Check your boat’s draft and length against the marina’s rules before you buy around a boat. Backwater Jacks, the waterfront restaurant at the marina, is open for dining to all residents (Backwater Jacks; Bonita Bay Marina). Slip and storage availability and fees are set by the marina, not by any association.

The Bonita Bay Club: Optional and Separate

The Bonita Bay Club is an optional, separately owned, member-owned private club inside Bonita Bay, with five championship golf courses on two campuses, among them the Marsh course, whose nearest parcel lies about 1,070 feet from the Harbor Lakes common element, plus a sports center, a Lifestyle Center and dining. Buying a Harbor Lakes condo does not make you a Club member and does not require you to join; membership is a separate decision with its own fees.

“Bonita Bay Club is a separate entity within the community of Bonita Bay,” the Club says (Bonita Bay Club, our community). The master association describes the Club as operating independently, with five courses (three designed by Arthur Hills and two by Tom Fazio), 16 Har-Tru tennis courts and 15 pickleball courts (BBCA, Bonita Bay Club). The two Fazio courses, Cypress and Sabal, are on the Club’s Naples campus (Bonita Bay Club, golf); the Sports Center, Lifestyle Center and dining pages describe the rest.

The Marsh Course Nearby

The nearest golf course parcel to Harbor Lakes is owned by Bonita Bay Club, Inc.: part of the Marsh course, a 178-acre parcel on the county roll, about 1,070 feet from the common element, about 1,240 feet from Building P and about 1,250 feet from Building A on the county parcel layer. The Creekside and Bay Island course parcels are each more than half a mile away. Every Harbor Lakes card carries a golf course recreation code, which records the community’s facilities, not a view or a right to play; the cards’ view code at Harbor Lakes is lake. The Club’s October 13, 2022 storm update reported bridges on the Bay Island and Marsh courses left “structurally undrivable” after Hurricane Ian (Bonita Bay Club, Hurricane Ian update).

Member-Owned Since 2010

Members bought the Club from the developer in 2010 for $11.5 million, $7.5 million of it real estate, as the Business Observer reported (Business Observer, April 2, 2010). A Club release says members approved a $110 million clubhouse project in May 2026 and that about $250 million has been reinvested since members acquired the Club (Hunter PR release).

What Club Membership Costs

Bonita Bay Club membership is optional and separate from home ownership. The Club does not publish initiation fees or dues on its public website; the Club’s membership office provides the current schedule. A Harbor Lakes owner can skip the Club entirely and use the condominium’s pool, the master association’s paths, parks and Private Beach, or join for golf or racquet sports. Either way, the Club is a cost only if you choose it, and a membership does not transfer with a Harbor Lakes deed unless the Club’s own rules say so.

What Are the HOA Fees at Harbor Lakes?

Harbor Lakes owners pay two association assessments: the Harbor Lakes condominium association’s and the Bonita Bay Community Association master assessment. Neither publishes its assessment on a public page, and Bonita Bay has no CDD, so the real numbers come from the estoppel certificates and budgets delivered in the sale.

Bonita Bay Community Association does not publish its master assessment or resale charges on its public website. Every owner pays the master assessment plus the condominium assessment. Current figures, including any charge due at closing, appear in the estoppel certificates and the §720.401 disclosure summary provided in the sale (Section 720.401, Florida Statutes). The condominium association’s assessment appears in its own estoppel certificate, which Florida law requires an association to issue on request within a set time and fee schedule (Section 718.116, Florida Statutes; Section 720.30851, Florida Statutes).

Layer 1: The Harbor Lakes Condominium Assessment

Harbor Lakes is one condominium of 80 units, so its common expenses are shared by 80 owners under the share formula in the Declaration (Section 718.104, Florida Statutes). As a Chapter 718 condominium, the association insures the condominium property it is required to insure under Section 718.111(11) (Section 718.111, Florida Statutes), maintains the 16 buildings’ common elements, the clubhouse, the pool and spa and the 14.25-acre grounds, and funds reserves for the roofs, painting, paving and other items the statute lists. There is no elevator to fund, and the buildings sit below the height at which Florida requires a structural integrity reserve study. The association does not post its assessment publicly, so we do not publish a figure; numbers quoted on portal and listing summaries are not a primary document, and the Declaration governs. The annual budget, which lists every line the assessment pays, is one of the documents a resale buyer receives.

Layer 2: The Bonita Bay Community Association Master Assessment

The Bonita Bay Community Association (Florida not-for-profit corporation, document N07041, active, filed January 10, 1985) operates as a homeowners’ association under Chapter 720, Florida Statutes. Its assessment funds the common areas and roads, streetlights, lake and stormwater management, the three parks, the Private Beach, the Community Patrol, the Design Review Department and community programming. The dollar amount is not published.

Layer 3: Bonita Bay Club (Optional)

Club membership is optional and separate from home ownership, and the Club does not publish its initiation fees or dues. It is a cost only if you choose to join.

Layer 4: No CDD and No Special Taxing District

Bonita Bay has no Community Development District and no special taxing district. Lee County’s published list of special districts names nearby CDDs, including Bay Creek, Bayside Improvement, the two Brooks of Bonita Springs districts, Bonita Landing and Saltleaf, but no district for Bonita Bay. The Bonita Springs Fire Control and Rescue District on that list is an independent fire district covering the area, not a Bonita Bay district, and it appears on every Bonita Springs tax bill.

Layer 5: Property Taxes, Insurance and Utilities

Property taxes are set by the City of Bonita Springs, Lee County, the School District and the other taxing authorities on the Lee County bill; the parcel’s TRIM notice and tax bill from the Lee County Tax Collector itemize every line for a specific unit. A buyer’s bill depends on the buyer’s exemptions and the new assessed value after the sale, not the seller’s bill. A Harbor Lakes owner carries an HO-6 unit-owner policy for the interior, contents, liability and loss assessment, and in Zone AE a flood policy whenever a federally backed lender requires one, because the association insures the building. Electricity comes from Florida Power and Light and water and sewer from Bonita Springs Utilities.

The Resale Charge at Closing

The recorded 2011 master Declaration contains a buyer-paid resale reserve assessment, and a later master association written statement describes a different formula; no recorded amendment reconciling the two has been located. We therefore do not publish either figure as the current charge. The master association’s estoppel certificate states what is due at a Harbor Lakes closing, and the condominium association’s estoppel states anything owed to it.

What a Harbor Lakes Buyer Should Budget

Budget the Harbor Lakes assessment and the master assessment from their estoppel certificates, an HO-6 quote and a flood quote for the specific unit and floor (a ground-floor unit and a second-floor unit in the same Zone AE building can price differently), the property tax on the parcel’s tax bill, and utilities. Read the reserve schedule in the budget closely: 16 buildings of 1993 and 1994 means roofs, exterior paint and paving on a repeating cycle, shared by 80 owners. Get the quotes during your inspection period. The state’s insurance consumer offices explain the policy types (Florida Office of Insurance Regulation; Florida Department of Financial Services, consumer services).

Special Assessments: What to Verify Before Closing

Special assessments at Harbor Lakes can come from two associations: the Bonita Bay Community Association, whose board approved a $500 per unit beach-rebuild assessment on March 20, 2025, due June 30, 2025, and the Harbor Lakes condominium association, whose pending or approved assessments appear on its estoppel certificate.

The Master Association’s Beach-Rebuild Assessment (Past)

A recap of the master association’s March 20, 2025 special board meeting, posted on March 26, 2025 by the Wild Pines of Bonita Bay association, reports that the board approved a special assessment of $500 per unit for the rebuild of the Private Beach facility, with payment due by June 30, 2025 (Wild Pines of Bonita Bay, recap of the March 20, 2025 meetings). That assessment is past; a Harbor Lakes buyer’s title agent confirms on the master estoppel that nothing remains owed on the unit being purchased.

Condominium Association Assessments

Whether the Harbor Lakes association has levied, approved or is considering a special assessment of its own is a question for its estoppel certificate, its budget and its board meeting records, which unit owners and resale buyers can request under Section 718.111(12). We do not state what those records contain. Florida law requires the estoppel certificate to list assessments due and any pending special assessment, and a buyer who asks for the budget, the reserve schedule and recent board minutes before the inspection period ends is in the best position to negotiate. On two-story buildings of 1993 and 1994, roofs, exterior paint and sealing, stairs and walkways, windows and paving are the usual subjects of a special assessment, along with any storm repair the insurance did not cover.

Harbor Lakes Governing Documents, Bylaws and Rules

Harbor Lakes is governed by two layers of recorded documents: the Declaration of Condominium of Harbor Lakes Condominium at Official Records Book 2398, Page 2275, with its later recorded instruments, and the Bonita Bay master Declaration, recorded June 22, 2011 as Lee County Instrument 2011000142834.

The Recorded Documents

• Harbor Lakes Condominium, Declaration: Official Records Book 2398, Page 2275, cited in the county legal description of all 80 units and the common elements
• Later instruments cited in unit legal descriptions: Book 2463, Page 2254 (Buildings F, G and L); Book 2493, Page 421 (Building K, units 102 to 203); Book 2494, Page 616 (Building H and K #101)
• State register: project PR1P022432, file 53286, 80 units, recorded June 21, 1993; managing entity Harbor Lakes Condo Assn Inc, MA00020797
• Association: Harbor Lakes Condominium Association, Inc., Florida not-for-profit corporation, document N93000002624
• Master: Bonita Bay Community Association, Inc., document N07041; master Declaration Instrument 2011000142834

The Lee County Clerk’s search portals block automated access, so a buyer or title agent retrieves these by book and page or instrument number at the Clerk. Florida’s corporate records are searchable through the Division of Corporations, and the state’s condominium register through the Division of Florida Condominiums.

What a Harbor Lakes Buyer Receives Under Chapter 718

Section 718.503(2) entitles a Harbor Lakes buyer, at the seller’s expense, to current copies of the Declaration of Condominium, the association’s articles, bylaws and rules, the annual financial statement and budget, the milestone inspection summary where applicable, the association’s most recent structural integrity reserve study or a statement that it has none, and the state’s Frequently Asked Questions and Answers document. The resale contract must say either that the buyer received these more than 7 days before signing, or that the contract is voidable by the buyer within 7 days (excluding weekends and legal holidays) after signing and receiving them (Section 718.503, Florida Statutes). Unit owners’ rights in the association’s official records are in Section 718.111(12), and the Division of Florida Condominiums publishes the forms behind them. Every Harbor Lakes seller also delivers the master association’s §720.401 disclosure summary under §12.13 of the master Declaration, and Florida’s residential contract forms carry the state-required flood disclosure (Section 689.302, Florida Statutes).

The Master Declaration Layer

• Use rules (§9.1): delegated to the master association’s Rules and Regulations and Design Guidelines, as amended from time to time
• Architectural review (§9.2): no improvement may be built, altered, planted or removed without prior written master association approval; submittals run in two stages
• Rule-making (§5.4): the Board may regulate traffic and parking, restrict vehicle types on common areas, levy fines and suspend use rights
• Seller duty (§12.13): the owner transferring title must obtain and deliver the §720.401 disclosure summary to the buyer
• Amendment (§12.4): 75% of total voting interests; changes touching the surface water management system need South Florida Water Management District approval

Architectural Review for Harbor Lakes Condos

In a condominium the building exterior is condominium property, so windows, sliders, lanai enclosures, screens, garage doors and hurricane protection typically need the condominium association’s approval under its Declaration, and anything that changes the exterior or the landscaping also needs master association Design Review approval under §9.2 before it goes to the City for a permit. Florida law requires condominium boards to adopt hurricane protection specifications that owners may install (Section 718.113, Florida Statutes). Converting a screened porch to a glass lanai, as the county cards record on six units, is exactly the kind of change that needs both approvals and a permit. Inside the unit, flooring, kitchen and bath work follows the Declaration and rules, so read them before you plan a hard-floor change in a second-floor unit above a neighbor. Start the approvals before you order materials; association standards may be stricter than the building code.

Is Harbor Lakes a 55+ Community?

Harbor Lakes at Bonita Bay is not described as a 55-and-over community in any primary source we reviewed: the master Declaration provisions summarized on this page, the Lee County roll, the state condominium register and the master association’s public pages set no age restriction, so buyers of any age can purchase a Harbor Lakes condo.

If an age restriction ever mattered to a purchase or sale, it would have to appear in the recorded condominium documents and meet the federal housing-for-older-persons rules, so confirm it in the documents delivered with the sale rather than relying on marketing. Federal fair housing law protects every buyer regardless of race, color, national origin, religion, sex, familial status or disability (HUD, fair housing).

Can You Rent Out a Harbor Lakes Condo?

A Harbor Lakes owner can lease the condo subject to the Harbor Lakes Declaration and rules, which set any minimum term, frequency limit or approval, and the Bonita Bay master Declaration, which sets no minimum lease term but binds every tenant to the governing documents. The Southwest Florida MLS pull of September 30, 2026 showed two Harbor Lakes condos listed for rent, both three-bedroom units in Building K.

What the MLS Shows About Harbor Lakes Rentals

Data updated: November 2026. The Southwest Florida MLS, pulled September 30, 2026, returned two active rental listings at Harbor Lakes, both at 27080 Lake Harbor Court: unit #202 (three bedrooms, two baths, 1,654 square feet) asking $7,200 a month in season and $4,500 off season, and unit #201 (three bedrooms, two baths, 1,764 MLS square feet against the county’s 1,654) asking $7,500 in season and $4,500 off season. No Harbor Lakes lease closed in that pull. Two listings are two listings, not a rental market, and an asking rent is not a lease. A lease arranged privately never reaches the MLS, so the record shows that seasonal and off-season leasing is offered at Harbor Lakes, not how often it happens.

The Rules That Govern Leasing

The master Declaration’s leasing language provides that any lease “shall provide or be deemed to provide that the tenant and all occupants of the leased Unit are bound by” the governing documents; it sets no minimum lease term, no cap on leases and no lease approval, and where a neighborhood’s documents are more restrictive, the more restrictive controls. The Harbor Lakes Declaration and rules are where any minimum term, frequency limit or approval process lives, and they govern over any listing field or portal summary; we have not read them, so we publish no Harbor Lakes lease rule. If the Declaration requires the association to approve a lease or a sale, Florida law caps the approval fee at $150 per applicant, with spouses and a parent and dependent children counted as one applicant (Section 718.112, Florida Statutes).

Short-Term Rentals and the Investor Math

No public Bonita Bay or Harbor Lakes document we reviewed authorizes nightly or weekly rentals, and the master association’s rules bind tenants like owners. On a condo bought near the $559,000 five-year county median, a $4,500 off-season asking rent is about $54,000 a year before assessments, insurance, taxes, vacancy and management, so the realistic case is an owner who uses the condo part of the year and may lease it for a season or a year, offsetting carrying costs rather than producing a high year-round yield. Read the Harbor Lakes documents before you plan any rental.

Pet Rules at Harbor Lakes

Pet rules at Harbor Lakes come from the Harbor Lakes Declaration and rules and the master association’s Rules and Regulations, not from the recorded Bonita Bay master Declaration, which contains no pet provision. We found no Harbor Lakes pet rule in a primary document; statements in vacation-rental listings are not one, so the number, size and type of pets must be read in the condominium documents before you buy.

Leash, waste and nuisance rules apply in Bonita Bay’s common areas, parks and paths. Keep dogs leashed and away from the edges of the three ponds between the buildings and the marsh beyond, where alligators and wading birds live. Under federal fair housing law, properly documented assistance animals are protected regardless of any pet rule (HUD, fair housing). Request the current rules early in your inspection period if you have a pet.

FEMA Flood Zone, Hurricane Ian and Storm Posture at Harbor Lakes

FEMA maps every Harbor Lakes building in Zone AE, a coastal Special Flood Hazard Area with a base flood elevation of 10 feet (NAVD88), on FIRM panel 12071C0652G, effective November 17, 2022. Harbor Lakes is in the City of Bonita Springs (NFIP community 120680) and Lee County Evacuation Zone A, and the City’s CRS Class 5 rating gives NFIP policies a 25% discount.

What We Measured

On November 1, 2026 we took the center point of each of the 16 Harbor Lakes building parcels and of the common-element parcel from Lee County’s parcel layer (Lee County parcel layer) and intersected them with FEMA’s National Flood Hazard Layer (FEMA NFHL) and Lee County’s evacuation zone layer (Lee County Evacuation Zones). We then intersected each building’s whole parcel outline with the flood layer, and cross-checked six street addresses (27011, 27031, 27051, 27071, 27080 and 27091 Lake Harbor Court) with the US Census geocoder (Census geocoder). Every point and every outline returned the same answer.

The adjoining Collier County panel’s outline (12021C0180H) also touches these points; the Lee County panel governs a Lee parcel. Zone AE is a Special Flood Hazard Area, where flood insurance is federally required for a federally backed mortgage on a structure in it. Zones are set per structure, so a lender’s flood determination for a specific building, and the building’s elevation certificate, confirm the requirement and drive the premium. The City’s flood page explains the map colors and the November 17, 2022 effective date (City of Bonita Springs flood protection information), and the NFIP’s consumer site explains the policy itself (FloodSmart).

Ground Floors, Second Floors and the 10-Foot Line

A base flood elevation is the height FEMA expects the 1% annual chance flood to reach. Every Harbor Lakes building sits inside the 10-foot AE zone, so what matters for each of the 40 ground-floor units is how its finished floor compares with 10 feet; the 40 second-floor units sit a story higher in the same building, though they share the building’s flood exposure through the association’s coverage and any assessment. That number is on the building’s elevation certificate, not on the county card. The City notes that “for each 1 foot above the required Base Flood Elevation your home or business is elevated, you will see a corresponding decrease of nearly 50% in your annual flood insurance premiums” (City flood protection information). In a condominium, the association’s flood coverage on the building and a unit owner’s own flood policy are separate policies, so ask the association for its flood declarations and the building’s elevation certificate as well as your own quote for the specific unit and floor. The garages are at ground level in every building, which matters for what you store in one.

The 50% Rule on Renovations

The City’s floodplain rules turn on the zone of the structure. Every Harbor Lakes building is in Zone AE, so a renovation or repair whose cost reaches 50% of the structure’s market value counts as a substantial improvement, and the building must then meet current flood elevation requirements. In a condominium the rule is applied to the structure, which is one more reason major work, especially after a storm, is planned with the association. The City explains how it applies the rule in its toolkit (City substantial improvement toolkit) and its floodplain ordinance (Ordinance 22-05).

Map Revisions

Harbor Lakes’ panel, 12071C0652G, is one of the November 17, 2022 G panels covering Bonita Bay. FEMA’s own flood layer is the live record; check the address again before closing and after any announced revision. WGCU’s January 2026 explainer describes how and why Lee County’s flood maps are revised (WGCU, January 27, 2026). A Letter of Map Amendment can remove a specific structure from the Special Flood Hazard Area only if its surveyed elevation supports it, so ask the association whether one has ever been issued for your building.

Bonita Springs CRS Class 5

The City of Bonita Springs holds a Community Rating System Class 5 rating, a 25% discount on NFIP flood policies, and FEMA confirmed on November 21, 2024 that the City keeps it after the post-Ian review (City of Bonita Springs, FEMA CRS; City news release). WGCU covered the outcomes across Lee County in July and November 2024 (WGCU, July 19, 2024; WGCU, November 21, 2024), and WUSF reported the earlier April 2024 notice that put the discounts at risk (WUSF, April 1, 2024). The City’s floodplain management plan progress report describes the program behind the rating (CRS Floodplain Management Plan, FY 2025-26 progress report).

Evacuation Zone A

All 16 Harbor Lakes buildings fall in Lee County Evacuation Zone A (storm surge zone 1). Zone A is the first area Lee County orders to evacuate, often for any named storm approaching from the Gulf; the state’s Know Your Zone lookup confirms an address (Florida Division of Emergency Management, Know Your Zone; Lee County evacuation zones dataset). A Harbor Lakes condo closed up for part of the year needs a hurricane plan in place before summer: shutters or impact glass on the unit’s openings as the association allows, lanai furniture brought in, cars moved out of the ground-level garage to higher ground when surge is forecast, and who checks the unit after a storm.

Hurricane Ian in Bonita Bay

Hurricane Ian made landfall on September 28, 2022 (NOAA National Hurricane Center, Hurricane Ian report). Inside Bonita Bay, the documented damage includes the total destruction of the master association’s Private Beach facility, since rebuilt (BBCA, Private Beach), and, per the Club’s October 13, 2022 update, a flooded cart barn and golf course bridges left “structurally undrivable” on the Bay Island and Marsh courses (Bonita Bay Club, Hurricane Ian update). In the City, surge came up the Imperial River and flooded homes along the river and creeks (WUSF, October 1, 2022; NPR, October 1, 2022), and the Gulf beaches took the worst of it (Tampa Bay Times, September 29, 2022). The City keeps its Ian recovery pages and grant program online (City of Bonita Springs, Hurricane Ian; Ian progress report; CDBG-DR grant management). We found no primary source documenting Ian damage to specific Harbor Lakes buildings; the seller’s disclosures, the association’s records, the City permit history by address and the insurance claim history are where a buyer confirms it, and on a ground-floor unit in Zone AE those questions come first.

Helene and Milton in 2024 are documented at the City level (City of Bonita Springs, Milton; NHC Helene report; NHC Milton report); no Bonita Bay-specific damage from either was found in a primary source.

Insuring a Harbor Lakes Condo

Insuring a Harbor Lakes condo works the condominium way: the association insures the 16 buildings under Section 718.111(11), and the owner carries an HO-6 policy for the unit’s interior, improvements, contents, liability and loss assessment, plus a flood policy, which a federally backed lender requires because every building is mapped in Zone AE.

Master Policy, HO-6 and Loss Assessment

The association insures the condominium property that Section 718.111(11) requires it to insure, and the owner carries an HO-6 policy for the interior, improvements, contents, liability and loss assessment (Section 718.111, Florida Statutes). Loss assessment coverage matters in a condominium of 80 units: if a storm deductible or an uninsured loss across 16 buildings is assessed to the owners, each owner’s share is set by the Declaration’s formula. Ask for the association’s current insurance declarations, including the windstorm and flood deductibles, in the disclosure package, and get your HO-6 and flood quotes during the inspection period.

Flood and the Four-Point

Flood is a separate policy, through the NFIP or a private carrier. With every building in Zone AE, a federally backed lender will require it, and a cash buyer should price it anyway: the Ian surge history of the region and a ground-level garage in every building are reasons enough. The association’s building flood coverage and the owner’s own flood policy each follow their own terms; the premium follows the elevation certificate, the floor and the coverage chosen, and the City’s CRS Class 5 discount applies to NFIP policies. Insurers commonly ask for a four-point inspection (roof, electrical, plumbing, air conditioning) on condos of Harbor Lakes’ age, focused on the unit’s own systems.

Wind Mitigation and the Private Market

Florida insurers must offer discounts for documented wind-resistant features, and the standard wind mitigation inspection records them; in a condominium the roof and walls are the association’s, so the building’s report and the unit’s opening protection both matter. Citizens Property Insurance is the state’s insurer of last resort if the private market will not write a policy, and the state’s My Safe Florida Home program explains inspections and its eligibility rules.

Florida’s Condo Safety Laws at Harbor Lakes: SB 4-D, HB 913, Milestone Inspections and SIRS

Florida’s post-Surfside condominium safety laws apply by building height: the milestone structural inspection under Section 553.899 and the structural integrity reserve study under Section 718.112(2)(g) both cover condominium buildings three habitable stories or higher. Every Harbor Lakes building is two stories, with units on the first and second floors only, so neither requirement applies to them by statute.

What the Statutes Say

• SB 4-D (2022): Florida’s 2022 building safety law, Chapter 2022-269, required condominium and cooperative associations to have milestone inspections performed on certain buildings, revised the records that count as a condominium association’s official records and barred members and associations from waiving or reducing reserves for certain items after a set date (SB 4-D, 2022 Special Session D).
• CS/CS/HB 913 (2025): Chapter 2025-175, effective July 1, 2025 for most provisions, amended the condominium and cooperative statutes again, including the milestone inspection criteria in Section 553.899 and the reserve and SIRS provisions in Section 718.112, and kept the three-habitable-story line for the SIRS (CS/CS/HB 913, 2025).
• Milestone inspection: Section 553.899(3)(a) applies to “a building that is three habitable stories or more in height” held in the condominium or cooperative form of ownership (Section 553.899, Florida Statutes).
• Structural integrity reserve study (SIRS): Section 718.112(2)(g) requires a SIRS “for each building on the condominium property that is three habitable stories or higher in height” (Section 718.112, Florida Statutes). The state’s Division of Condominiums explains what a SIRS covers and keeps the reporting database (DBPR, SIRS reporting).

What It Means for Harbor Lakes Owners

By the statutes’ own terms, Harbor Lakes’ buildings fall below the line. All 79 readable unit cards record the improvement type “Condominium, low rise, 1 to 3 floors” and place each unit on floor 1 or floor 2, the county parcel layer gives the buildings one or two stories, and no Lake Harbor Court building appears on the state elevator register we read on November 1, 2026. We have not seen the association’s building records, and we do not state what they contain. Being below the SIRS line does not mean a building needs no reserves: the association still maintains 16 roofs, the building envelopes, stairs and walkways, the clubhouse, the pool and the paving, and Section 718.112(2)(f) still governs how it budgets reserves for them. What a buyer should ask for: the annual budget with its reserve schedule, the association’s statement on whether it has a structural integrity reserve study, which Section 718.503 entitles a resale buyer to (Section 718.503, Florida Statutes), the age of each building’s roof, any engineer’s or roof report the board has commissioned and recent board minutes. The state’s Division of Condominiums keeps a building reporting database (DBPR, condominium building reports), and the Florida Building Code (8th Edition, effective December 31, 2023) governs repairs and replacements (Florida Building Commission).

Which Schools Serve Harbor Lakes?

Lee County public schools serve Harbor Lakes through proximity-based choice: a student ranks schools within the proximity zone for the address rather than being placed at one school by address. Under the district’s most recent published plan, nearby options include Spring Creek Elementary, Bonita Springs Middle and Bonita Springs High. Confirm an address’s zones with the School District of Lee County before relying on them.

Under the district’s most recent published plan (2025-2026), the elementary proximity zone that holds the Bonita Springs schools is Zone Q (Bonita Springs, Pinewoods, San Carlos, Spring Creek and Three Oaks elementary schools), the middle proximity zone is Zone GG (Bonita Springs Middle and Three Oaks Middle), and high school uses the South residential choice zone with sub-zones (2025-2026 Student Enrollment Plan). The School Board approved the 2026-2027 plan on December 1, 2025 (School District of Lee County, school zones); use the district’s school zone locator for a specific Lake Harbor Court address. School sites: Bonita Springs High and Bonita Springs Middle, listed in the district’s middle school directory. WGCU reported the district’s 2024-25 school grades (WGCU, July 9, 2025).

Harbor Lakes is not age-restricted, so school access works the same way here as at any Bonita Springs address: the proximity zones above are the starting point, and transportation follows the district’s zone rules.

City Permits for Harbor Lakes Condos

Building permits for Harbor Lakes condos are issued by the City of Bonita Springs Community Development Department, not by Lee County, because Bonita Bay lies inside the incorporated City of Bonita Springs (incorporated in 1999). Work that touches the building or the exterior also needs the Harbor Lakes association’s approval and, for exterior or landscape changes, master association Design Review approval under the master Declaration before the City permit is pulled.

Up to three approvals can apply to a Harbor Lakes project: (1) the Harbor Lakes condominium association, under its Declaration, for anything that touches the building, the exterior, the porch or lanai, the garage door or the common elements; (2) master association Design Review under §9.2 of the master Declaration for anything that changes the exterior or the landscaping; and (3) a City of Bonita Springs building permit for windows, doors, screen and glass enclosures, electrical, plumbing, mechanical and similar work (City of Bonita Springs, apply for a building permit; City Community Development). The City’s online services guide covers its Citizen Access permit portal (how to use online services). Fire-related plan review is part of City permitting (Fire Prevention plan review application). In Zone AE, the City also checks the substantial improvement threshold on large projects. A buyer can search a building’s permit history by its Lake Harbor Court address through the City, which is the best way to see when the roof, air conditioning or windows were last permitted.

What Is Around Harbor Lakes? Zoning and Land Use

Harbor Lakes sits on Lake Harbor Court off Bonita Bay Boulevard and Lakeway Circle, with Sandpiper next door on Lake Forest Drive, Lakeside and Greenbriar on Bayhead Drive about a quarter mile away, master association land and a mapped marsh on its edges, and the Marsh golf course about 1,070 feet from its common element. Zoning and land use are set by the City of Bonita Springs.

On the county parcel layer, the Harbor Lakes common element touches the master association’s road parcel for Bonita Bay Boulevard and Lakeway Circle, a 10.46-acre master association parcel, the master association’s Unit 10 tracts and one single-family lot on Lakeway Court. The City’s Zoning District Map Book shows zoning districts by map sheet within city limits, and the City’s maps page links its current maps (City area maps). Zoning ordinances and resolutions are indexed on the City site (zoning ordinances; zoning resolutions), and the City’s stormwater program covers the drainage system Bonita Bay’s ponds feed (City stormwater and drainage). Wetland and surface water changes in Bonita Bay run through the master Declaration’s South Florida Water Management District clause and the District itself (South Florida Water Management District). Because Bonita Bay is built out and every Harbor Lakes parcel is improved, the practical questions for a Harbor Lakes buyer are master association work on the ponds, the marsh edge and the stormwater system, changes on the Club’s golf courses and campuses (the members’ May 2026 clubhouse vote), and association projects on the buildings themselves, not new subdivisions next door.

Daily Logistics at Harbor Lakes

Daily life at Harbor Lakes runs on City of Bonita Springs services: Florida Power and Light for electricity, Bonita Springs Utilities for water and sewer, Waste Management collection in Bonita Springs, and the Bonita Springs Fire Control and Rescue District for fire and emergency response, with the master association handling roads, gates and patrol and the Harbor Lakes association handling the buildings and grounds its Declaration assigns to it.

Utilities and Services

• Electric: Florida Power and Light, billed to each owner (City utilities listing; FPL)
• Water and wastewater: Bonita Springs Utilities, Inc., a member-owned not-for-profit utility serving the City of Bonita Springs, the Village of Estero and south Lee County; in the 1990s it bought the wastewater plant Bonita Bay’s developer had built and expanded it for the greater Bonita area (BSU history; BSU; City listing)
• Trash and recycling: Waste Management provides single-day weekly curbside collection of trash, recycling and yard waste in Bonita Springs since April 29, 2024 (WGCU, April 15, 2024; City news); how collection works at a condominium building is set by the association
• Fire and EMS: Bonita Springs Fire Control and Rescue District, an independent special fire district branded Bonita Springs Fire Rescue (bonitafire.org; City listing)
• Law enforcement: Lee County Sheriff’s Office, plus the master association’s Community Patrol inside the gates

Parking, Garages and Golf Carts

Every one of the 79 readable Harbor Lakes unit cards records a condominium garage subarea of 219 to 259 square feet, and the county parcel layer’s garage flag is set on all 80 units. The card records area, not the number of cars, and in a condominium which garage goes with which unit is set by the Declaration and any recorded assignment, so confirm what conveys with a specific unit before you write an offer. Guest parking, and whether a boat, trailer, kayak rack or golf cart may be kept outside, are questions for the Harbor Lakes rules and the master association’s rules on traffic, parking and vehicle types. Vehicle registration and driver licensing for a new Florida resident run through the state (Florida Highway Safety and Motor Vehicles).

Gates, Guests and Mail

Bonita Bay is a gated community. Guest and vendor access procedures, resident credentials and contractor rules are set by the master association and delivered with the association documents. Mail delivery follows the arrangement for each building; confirm it for the specific address when you tour.

Where Harbor Lakes Sits in the Region

Harbor Lakes sits in Bonita Bay in ZIP 34134 in the City of Bonita Springs, between Fort Myers to the north and Naples to the south, with US 41 at the Bonita Bay gates and I-75 to the east. That position gives Harbor Lakes owners both metro areas’ shopping, dining, healthcare and the region’s airport without living in either city, and the Gulf a short drive west.

Nearby Destinations

• Emergency care: NCH Bonita freestanding emergency department at 24040 S. Tamiami Trail, Bonita Springs (NCH locations; NCH Healthcare System; South Florida Hospital News on NCH Bonita); Lee Health Coconut Point freestanding emergency department at 23450 Via Coconut Point, Estero (South Florida Hospital News)
• Hospital: NCH North Naples Hospital, 1501 Immokalee Road, Naples (NCH North Naples)
• Airport: Southwest Florida International Airport (RSW), north of Bonita Springs off I-75
• Beaches: the Bonita Bay Private Beach on the Gulf for residents, plus the public beaches on Bonita Beach and Lovers Key
• Inside Bonita Bay: the master association office at 3451 Bonita Bay Boulevard about 0.73 mile and the Promenade at 26811 South Bay Drive about 0.75 mile, by straight line from the center of the Harbor Lakes buildings
• Our office: 24031 S Tamiami Trl #101, Bonita Springs, about 3.2 miles by straight line from the Harbor Lakes buildings

Drive times depend heavily on season and time of day along US 41, so we do not publish minute figures; test the drives that matter to you during a winter visit. The National Weather Service office for the region posts storm and marine forecasts (NWS Miami; National Hurricane Center).

How Does Harbor Lakes Compare With Other Bonita Bay Neighborhoods?

Harbor Lakes is a mid-priced Bonita Bay condominium neighborhood of 80 two-story garage condos, with a five-year county deed median of $559,000, level with Lakeside’s $557,500 and above Greenbriar, Wild Pines and next-door Sandpiper, and below Wedgewood and the Crossings; it is one of the few Bonita Bay condominiums where every county card records a garage.

The Bonita Bay Condominium Ladder

Bonita Bay’s master association describes residences across condominiums, high-rises, coach homes and single-family neighborhoods. On the 60-month county yardstick in the market section, the condominium neighborhoods closest to Harbor Lakes line up as Sandpiper ($412,500 median), Wild Pines ($440,000), Greenbriar ($540,000), Lakeside ($557,500), Harbor Lakes ($559,000), Harbor Landing ($604,500), Bay Pointe ($610,000), Wedgewood ($635,000), the Crossings ($649,900), Egrets Landing ($835,000) and Bayview ($1,122,500). The eight Bonita Bay Boulevard towers run far above that range. Inside Harbor Lakes the six plans spread across a good part of the ladder on their own: 1,313-square-foot deeds from $390,000 to $505,000 and 1,951-square-foot deeds from $582,500 to $745,000.

Harbor Lakes vs Sandpiper: The Neighbor Next Door

Sandpiper at Bonita Bay, whose common element lies about 94 feet from the Harbor Lakes common element on the county parcel layer, is 120 condos on Lake Forest Drive built 1991 to 1994, overlapping Harbor Lakes’ 1993 and 1994, with heated areas of 1,371 to 1,593 square feet. On the 60-month yardstick it recorded 35 deeds at a $412,500 median, from $300,000 to $649,000, at $282 per heated square foot. Harbor Lakes’ median runs $146,500 higher and its price per square foot $67 higher, on a wider range of plans (1,267 to 1,951 square feet) with a garage recorded on every readable card. Sandpiper offers a lower entry point and more resales to choose from next door; Harbor Lakes offers the larger three-bedroom plans and the garages.

Harbor Lakes vs Lakeside, Greenbriar, Wild Pines and Wedgewood

Lakeside, 20 condos of 1,459 to 1,987 square feet on Bayhead Drive and Whiskey Pointe Lane, recorded six deeds at a $557,500 median, and its common element lies about 159 feet from Harbor Lakes’; Greenbriar, 77 condos of 1,238 to 1,923 square feet on Bayhead Drive, recorded 25 at $540,000. Both are low-rise neighborhoods about a quarter mile away, priced within $19,000 of Harbor Lakes on the median. Wild Pines, 105 smaller condos of 581 to 1,130 square feet, recorded 42 at $440,000, and Wedgewood, 178 condos in five-story mid-rise and two-story Lake Villa buildings about 0.32 mile away, recorded 52 at $635,000. A buyer who wants two stories, three bedrooms and a garage inside Bonita Bay below $650,000 will find Harbor Lakes, Greenbriar and Lakeside on a short list.

Harbor Lakes vs the Crossings: Which Bonita Bay Condominium Should You Choose?

Harbor Lakes and the Crossings are Bonita Bay condominium neighborhoods 0.53 mile apart with five-year county medians $90,900 apart ($559,000 and $649,900); the choice comes down to building type, flood map, garage, plan size and how much a buyer will pay for an elevator or a golf course outlook.

The Crossings at Bonita Bay is 73 condos on Crossings Court in four condominiums: the Carriage Homes, Golf Towers (units to the seventh floor), the Commons (units to the fifth floor) and Crossings II, built 1989 to 1999, from 1,339 to 2,959 heated square feet. By straight line, 3330 Crossings Court is about 0.53 mile from the center of the Harbor Lakes buildings. In the 60 months since November 2021 the Crossings recorded 13 qualified deeds at a $649,900 median, from $400,000 to $1,050,000, at a median of $375 per heated square foot; Harbor Lakes recorded 21 at $559,000, $390,000 to $745,000, $349 per heated square foot. Both medians come from the same Lee County index, matched by street, qualified deeds only. The Crossings’ own guide reports every building center in FEMA shaded Zone X with a 9-foot AE edge touching four parcels; at Harbor Lakes every building measures Zone AE with a 10-foot base flood elevation.

Harbor Lakes or the Crossings: How They Compare

Choose Harbor Lakes if you want a garage with every unit, one association and one set of documents, two-story buildings below Florida’s milestone and reserve study line, a pond outside on every building’s card, and a median $90,900 lower for plans of 1,267 to 1,951 square feet; accept a Zone AE flood map and a flood policy with it. Choose the Crossings if you want an elevator building, a golf course outlook from the Commons or Golf Towers, a larger plan up to 2,959 square feet, or a building center outside the Special Flood Hazard Area, and accept a thinner resale record split four ways and the milestone and reserve obligations of the mid-rises. In both, the specific unit’s floor, plan, view and renovation decide the price more than the address does. Selling on either street? Start with a free Harbor Lakes home valuation, or call Jesse direct at (239) 898-6072. Choosing between them? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

Honest Pros and Cons of Owning in Harbor Lakes

Harbor Lakes’ strengths are documented ones (a garage on every readable card, six plans from 1,267 to 1,951 square feet, a lake view code on every readable card and a pond within about 72 feet of every building, one condominium with its own clubhouse, pool and spa, two-story buildings below the SIRS line, the full Bonita Bay master amenities) and so are its limitations (every building in flood Zone AE and Evacuation Zone A, no elevator to the second floor, unpublished fees, softer 2025 and 2026 prices on the plans that resold, buildings of 1993 and 1994).

Genuine Strengths

• A garage on the record: a condominium garage subarea of 219 to 259 square feet on all 79 readable unit cards, and the garage flag on all 80 units on the county parcel layer.
• Water on the record: a lake view code on all 79 readable unit cards, and three ponds of 1.54 to 2.19 acres within about 72 feet of every building on the federal water map.
• One condominium: one association, one Declaration, one budget and one set of rules for all 80 units.
• Shared facilities: a clubhouse, a 910-square-foot pool and a Jacuzzi on the condominium’s own common element.
• Below the SIRS line: two-story buildings, outside Florida’s milestone inspection and structural integrity reserve study requirements by statute.
• Turnover: 21 qualified deeds in five years, enough to price most plans from real sales.
• No CDD: Bonita Bay has no Community Development District and no special taxing district.

Honest Limitations

• Flood map: every building is in Zone AE with a 10-foot base flood elevation, so a federally backed mortgage requires flood insurance, and the 40 ground-floor units carry the most exposure.
• Evacuation Zone A: the first zone Lee County orders out for a Gulf storm.
• No elevator: no Harbor Lakes building is on the state elevator register, so plan on stairs to the 40 second-floor units and confirm access on a tour.
• Softer recent prices: the 1,313-square-foot plan went from $505,000 in December 2023 to $430,800 to $444,000 in late 2025 and 2026, and the 1,514-square-foot plan from $595,000 in 2023 to $470,000 in 2026.
• Unpublished fees: neither the Harbor Lakes association nor the master association posts its assessment; the numbers arrive with the estoppel certificates.
• Building age: 16 buildings of 1993 and 1994, with roofs, paint and paving on a repeating cycle funded through the assessment.
• Not on the golf course: the nearest course parcel is about 1,070 feet from the common element.

Thinking of Selling Your Harbor Lakes Condo? List With the #1 Team in Southwest Florida Since 2012

If you’re searching for a Harbor Lakes listing agent, or thinking, ‘I need someone to sell my Harbor Lakes condo…’, start with the record: 21 qualified Harbor Lakes deeds in 60 months at a $559,000 median, from $390,000 to $745,000, five MLS closings in the 12 months to September 30, 2026 at a median 99.5% of their asking prices, and one listing and one pending on that date. McGreevy and Comisar price, prepare and market Harbor Lakes condos from that record, plan by plan and floor by floor, tested against Sandpiper, Greenbriar and Lakeside nearby, not from a Bonita Bay average.

Our credentials as your Harbor Lakes listing agent:

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

Recent Harbor Lakes Sold Record

In the 12 months to September 30, 2026 we tracked six qualified deeds in the Lee County record, at $430,800 (1,313 square feet, October 2025), $745,000 (1,951 square feet, March 2026), $470,000 (1,514 square feet, March 2026), $435,000 (1,313 square feet, April 2026), $444,000 (1,313 square feet, June 2026) and $582,500 (1,951 square feet, August 2026), for $3,107,300 in volume. Over 60 months the record shows 21 resales at a $559,000 median and $11,595,200 in volume. The Southwest Florida MLS, pulled September 30, 2026, shows five Harbor Lakes closings in the 12 months to that date: three at 99.5% to 100.0% of asking within three days, and two after 181 and 203 days at 98.1% and 88.8%.

What Makes Selling in Harbor Lakes Different

Four things. First, the plan and the floor: a buyer has to know in the first line of the listing which of the six plans the unit is, its floor and its building type, because on the county record the 1,313-square-foot ground-floor plan sold for $390,000 to $505,000 and the 1,951-square-foot second-floor plan for $582,500 to $745,000. Second, the paperwork: a Harbor Lakes sale needs the §718.503 resale documents (with the buyer’s 7-day review right), the master association’s disclosure and estoppel, the condominium estoppel and, because every building is in Zone AE, the flood disclosure and whatever elevation and flood-policy information you have; having them ready at listing protects your timeline. Third, Bonita Bay’s open house and sign rules: open houses need 72 hours’ notice to the master association with the listing agreement, run Monday to Saturday 9 to 5 and Sunday 1 to 4, use the master association’s sign standard, and allow no SOLD signs (BBCA Open House Guidelines). Fourth, the drift: 2026 deeds sit below the 2023 deeds on the plans that resold, and the MLS shows that units priced near the recent deeds sold in days while those priced above them waited six months, so the first price is the most important decision you make.

What Is Your Harbor Lakes Condo Worth? Get a Free Valuation in 60 Seconds.

Start with a free Harbor Lakes home valuation, or use our Bonita Bay home valuation page. Or talk to Jesse direct: (239) 898-6072, text or call.

Buying rather than selling? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida.

How should I price my Harbor Lakes condo?

Price a Harbor Lakes condo from the deeds that match its plan, floor and condition, not from the street median. On the county record the five-year median is $559,000, but the 1,313-square-foot plan ran $390,000 to $505,000 and the 1,951-square-foot plan $582,500 to $745,000, and 2026 deeds sit below 2023 deeds on the plans that resold. We adjust from the closest matches, then test the price against Sandpiper, Greenbriar and Lakeside and the active listings on the day you list.

How fast do Harbor Lakes condos sell?

The five Harbor Lakes closings in the Southwest Florida MLS, pulled September 30, 2026, split in two: three went under contract within three days at 99.5% to 100.0% of asking, and two took 181 and 203 days and sold at 98.1% and 88.8%. The one active listing on that date had been on the market 420 days. The slow sales closed below their asking prices; the quick ones closed at them.

What documents will a Harbor Lakes buyer ask for first?

A Harbor Lakes buyer asks first for the §718.503 resale package (Declaration, bylaws, rules, budget, financial statement and the association’s SIRS statement), the condominium and master estoppel certificates, the association’s insurance declarations including flood, the building’s elevation certificate where the association has one, and the unit’s four-point report. Having them at listing shortens every negotiation.

Do I need anyone’s approval to sell my Harbor Lakes condo?

The master Declaration requires no sale approval that we found; it requires you to deliver the §720.401 disclosure summary, and the estoppel certificates are needed for closing. Whether the Harbor Lakes Declaration adds an approval or notice step is set in that document, which we read for every listing before your condo goes on the market.

Does my Club membership affect my Harbor Lakes sale?

A Bonita Bay Club membership is separate from your Harbor Lakes deed. The Club does not publish its initiation fees, dues or transfer rules on its public website, and whether a membership can pass to a buyer is the Club’s decision under its own rules. Your Harbor Lakes sale itself never requires a Club membership on either side.

Understanding the Broader Bonita Bay Investment Context

Harbor Lakes’ long-run value rests on Bonita Bay’s fixed supply, its master-association amenities, its garages and ponds, and its location between Naples and Fort Myers; the recorded deeds show Harbor Lakes prices rising and falling with the wider market, from first sales of $124,300 to $257,900 in 1993 and 1994 to a $745,000 deed in March 2026 and a $559,000 median over the last 60 months.

Why Master-Planned Communities Sustain Value

A master association that maintains roads, lakes, parks, the Private Beach and patrol, funded by every owner, protects the setting of every neighborhood inside the gates. Bonita Bay’s recorded master Declaration and Design Review standards (§9.2) are what keep buildings of 1993 and 1994 looking cared for in 2026, and at Harbor Lakes the condominium association adds a second layer of maintenance on its own 16 buildings and grounds.

The Fixed-Supply Advantage

Bonita Bay is built out, and Harbor Lakes has no vacant parcel left: all 80 condos are built and the common element is in use. New supply in the region comes from new communities outside the gates, not from more condos on Lake Harbor Court. That does not guarantee appreciation (the county record shows the 1,313-square-foot plan at $505,000 in 2023 and $430,800 in 2025), but it means every Harbor Lakes buyer competes for one of a fixed 80, and only 16 of them are the 1,951-square-foot plan.

Harbor Lakes as a Way Into Bonita Bay

For a buyer who wants two or three bedrooms, a garage and a pond outside inside Bonita Bay’s gates at a price below the elevator buildings, Harbor Lakes is on a short list with Greenbriar and Lakeside. The trade is a Zone AE flood map and the flood policy that comes with it, stairs to the second floor, unpublished association fees and buildings of 1993 and 1994, with roughly four resales a year to choose from.

Bonita Springs: Why the Address Matters

Bonita Springs is the incorporated city that governs Harbor Lakes’ permits, zoning, flood program and city taxes; its CRS Class 5 rating lowers NFIP premiums, which matters on a street mapped in Zone AE, and its location puts Lake Harbor Court between Naples and Fort Myers with Gulf beaches, I-75 and US 41 close by.

Residents voted to incorporate the City in 1999, and the City marked its 25th anniversary in 2024 (City of Bonita Springs, history; 25th anniversary; City Charter). For the wider market, see our Bonita Springs guide and our Bonita Bay guide. Documentary stamp tax on Florida deeds is set by the state (Florida Department of Revenue, documentary stamp tax), and in Lee County the seller customarily pays the owner’s title policy, though the contract controls.

Your Local Real Estate Experts

Harbor Lakes owners and buyers work directly with Jesse McGreevy and Marc Comisar, the McGreevy and Comisar team at Domain Realty, whose office at 24031 S Tamiami Trl #101 in Bonita Springs is about 3.2 miles from the Harbor Lakes buildings by straight line. For this Harbor Lakes guide we read the county condo cards for all 16 buildings, the common-element card, the state condominium and elevator registers and every qualified Harbor Lakes deed in the Lee County record before writing a word.

McGreevy and Comisar are the Domain Realty team behind this Harbor Lakes guide: Jesse McGreevy, Sales Associate, and Marc Comisar, Broker Associate, with over 45 years of combined direct real estate experience. You can read how the team was built on our about the McGreevy and Comisar team page. We tracked all 21 qualified Harbor Lakes deeds recorded since November 2021 for this update, we read 80 of the 81 Harbor Lakes county cards to count the buildings, plans, floors, bedrooms, garages, porches and view codes, we checked the state elevator register for every Lake Harbor Court address, we measured the ponds, the marsh and the golf course parcels against each building, and we measured the flood zone at all 16 buildings ourselves rather than repeating a map summary.

McGreevy and Comisar lead Domain Realty Group, a full-service Southwest Florida real estate team. Learn more about our team at DomainRealtyGroup.com.

McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008, and the full record is below:

• Top 1% Real Estate Agents Nationally Since 2008
• 5 Star Award for Customer Satisfaction for 21 Straight Years. Only 5 out of 21k+ Licensees (Gulfshore Life Magazine)
• #1 Team in Southwest Florida since 2012
• McGreevy and Comisar and their Domain Realty Group team have sold over $2.5 Billion in Real Estate
• McGreevy and Comisar alone have over $900 million in Sales
• Nationally Recognized Top Producing Realtors
• Platinum Sales Production Award Winners

Why a Harbor Lakes Specialist Matters

Harbor Lakes is a neighborhood where the plan and the floor decide most of the price and the details decide the rest: a 1,313-square-foot two-bedroom unit on the ground floor or a 1,951-square-foot three-bedroom unit above; a four-unit or a six-unit building; a screened porch or a glass lanai; which pond the porch faces; the age of the building’s roof; and whether the kitchen and baths have been redone. Every building is in flood Zone AE, so the elevation certificate and the flood quote are part of the price conversation from the first showing. Buyers moving from out of state often decide from photos, video and documents before they visit, so the listing has to explain the plan, the association layers, the flood map, the insurance and the resale package in plain language. That is the work we do on every Bonita Bay listing.

What Our Clients Say

McGreevy and Comisar is a top-reviewed Harbor Lakes realtor on Google, and the quotes below are genuine five star client reviews reproduced in the reviewer’s own words. We publish no aggregate score and no star rating widget. Read the full set on the McGreevy and Comisar Google Business Profile.

★★★★★ “Jesse was very professional, helpful and kept in touch with ideas and suggestions which developed into a sale. Highly recommend his company for their excellent follow through.” Donald Vogler, verified Google review

★★★★★ “We had been on the market for several months with no offers. When we signed with Marc our house was sold in 2 weeks. He has a unique system for selling homes.” Sandra Decker, verified Google review

★★★★★ “Working with Jesse was easy, I was kept up to date on all feedback from showings and the many open houses. Highly recommend!” Ann Perez, verified Google review

★★★★★ “I had a great experience working with Marc Comisar and Jesse McGreevy. They were professional, knowledgeable, and made the entire process feel smooth from beginning to end.” Sloane Gelfman, verified Google review

Contact McGreevy and Comisar

• Jesse McGreevy: (239) 898-6072 · [email protected]
• Marc Comisar: (239) 287-5873
• Office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Selling a Harbor Lakes condo? Get a free Harbor Lakes home valuation, or call Jesse direct at (239) 898-6072.

Buying in Harbor Lakes? Call Marc at (239) 287-5873, or read how we represent buyers in Southwest Florida. Buyers focused on Bonita Bay can also start at our Bonita Bay buyer guide.

Licensure, and the Office of Record

Jesse McGreevy (Sales Associate) and Marc Comisar (Broker Associate) are licensed Florida real estate professionals with Domain Realty; Florida real estate licensure is regulated by the Florida Real Estate Commission (FREC).

• Jesse McGreevy, Florida license SL3101296
• Marc Comisar, Florida license BK3060671
• Brokerage office: 24031 S Tamiami Trl #101, Bonita Springs, FL 34134

Where Else to Find the Team

Video walkthroughs, market updates and community tours are on McGreevy and Comisar on YouTube, and the team keeps a company page at McGreevy and Comisar on LinkedIn. For the wider market around Harbor Lakes, see our Bonita Bay guide, our Bonita Springs guide and our guides to the nearby Sandpiper and the Crossings condominiums.

The best Harbor Lakes buyers we work with ask the most questions before the offer and the fewest after closing. Decide which plan and floor fit first, order both estoppel certificates early, get HO-6 and flood quotes for the specific building and floor during your inspection period, and read the Harbor Lakes Declaration and rules before you plan a renovation, a pet or a rental. There is no obligation and no cost for an initial conversation.

Frequently Asked Questions, Buyer Edition

The questions below are the ones Harbor Lakes buyers ask us most, answered from the county roll, the Harbor Lakes county condo cards, the state condominium and elevator registers, the recorded documents, FEMA’s flood layer, the national water map, the county golf-course parcels and the Southwest Florida MLS figures pulled on September 30, 2026. Every answer names its source on this page, and where the public record stops we say which document a buyer should read.

What is Harbor Lakes at Bonita Bay?

Harbor Lakes at Bonita Bay is an 80-condo neighborhood inside Bonita Bay in Bonita Springs, Florida: one recorded condominium, Harbor Lakes Condominium, in 16 two-story buildings on Lake Harbor Court, built in 1993 and 1994, with a shared clubhouse, pool and spa on a 14.25-acre common element.

Where is Harbor Lakes in Bonita Bay?

Harbor Lakes is on Lake Harbor Court, off Bonita Bay Boulevard and Lakeway Circle, at building numbers 27011 to 27091 on the odd side and 27020 to 27090 on the even side, with the common element at 27010. By straight line it is about 0.08 mile from Sandpiper, 0.73 mile from the master association office and 0.75 mile from the Promenade.

Is Harbor Lakes one condominium or several?

Harbor Lakes is one condominium, with one Declaration at Official Records Book 2398, Page 2275, one state registration (project PR1P022432, 80 units, recorded June 21, 1993) and one association. Some unit legal descriptions also cite later recorded instruments, which a title search pulls with the Declaration.

How many condos are in Harbor Lakes?

There are 80 condos in 16 buildings: eight four-unit buildings (A, B, D, E, H, M, N and O) with 32 units and eight six-unit buildings (C, F, G, I, J, K, L and P) with 48, matching the state register’s 80 units. One more county parcel is the common element.

When were the Harbor Lakes condos built?

The county roll dates Buildings A to E and M to P, 40 units, to 1993, and Buildings F to L, 40 units, to 1994. The state register records the Declaration on June 21, 1993, and the first qualified deeds in the county file date to June 1993.

How big are Harbor Lakes condos?

County heated areas run from 1,267 to 1,951 square feet in six plans: 1,267 (8 units), 1,313 (16), 1,514 (16), 1,654 (16), 1,677 (8) and 1,951 (16). The median unit is about 1,584 square feet. The county records garages and porches separately, so a listing that counts them will show more.

How many bedrooms do Harbor Lakes condos have?

On the county cards, 24 of the 80 condos are two-bedroom units (the 1,267 and 1,313-square-foot plans) and 56 are three-bedroom units (the 1,514, 1,654, 1,677 and 1,951-square-foot plans). Every unit has two baths. Some MLS listings describe a three-bedroom plan as two bedrooms and a den.

Do Harbor Lakes buildings have elevators?

No elevator for any Lake Harbor Court building appears on the state elevator register we read on November 1, 2026. Every building is two stories, with units on the first and second floors only, so plan on stairs to a second-floor unit and confirm access on your tour.

Do Harbor Lakes condos have garages?

Every one of the 79 readable Harbor Lakes unit cards records a condominium garage of 219 to 259 square feet, and the county parcel layer flags a garage on all 80 units. The card records area, not cars, and which garage conveys with which unit is set by the Declaration, so confirm it before you write an offer.

Do Harbor Lakes condos have lake views?

The county gives a lake view code to all 79 readable unit cards. The US Geological Survey maps three ponds of 1.54 to 2.19 acres within about 72 feet of every building, and a mapped marsh of about 30 acres within 29 feet of Building J. A view code is a classification, so check the outlook from the unit itself.

Do Harbor Lakes condos have golf course views?

No Harbor Lakes parcel touches a golf course parcel. The nearest, part of the Bonita Bay Club’s Marsh course, lies about 1,070 feet from the common element. The cards carry a golf course recreation code, which records the community’s facilities, not a view; the view code on every readable card is lake.

Is there a pool at Harbor Lakes?

Yes. The common-element card at 27010 Lake Harbor Court lists a 910-square-foot commercial pool, a Jacuzzi, 3,887 square feet of patio and a 1993 clubhouse building. The card records no tennis or pickleball court. Use rules and hours are set by the Declaration and the association’s rules.

Is Harbor Lakes on the water for boating?

No. Despite the name, no Harbor Lakes card or parcel record shows a dock, boat lift or seawall, and the three ponds are stormwater ponds. Owners who boat use the separately owned Bonita Bay Marina on the Imperial River, at extra cost and with a 36-inch maximum draft, or the Riverwalk Park ramp.

What amenities come with a Harbor Lakes condo?

Every owner gets the condominium’s clubhouse, pool and spa plus the Bonita Bay Community Association’s 12 miles of paths, three waterside parks, gated entry, Community Patrol and Private Beach. Bonita Bay Club golf, racquet sports and dining require a separate, optional membership.

Is Harbor Lakes a gated community?

Yes. Harbor Lakes is inside Bonita Bay’s gates, where the master association’s Community Patrol works and visitor and vendor access runs through the association’s procedures. Law enforcement is the Lee County Sheriff’s Office.

What are the HOA fees at Harbor Lakes?

Neither the Harbor Lakes association nor the master association publishes its assessment on a public page, so we do not publish a figure. Each owner pays the Harbor Lakes assessment and the master assessment; the current amounts and anything owed appear on the estoppel certificates and in the budget delivered in a sale.

Does Harbor Lakes have a CDD?

No. Bonita Bay has no Community Development District and no special taxing district. The Bonita Springs Fire Control and Rescue District on the tax bill is an independent fire district covering the area, not a Bonita Bay district.

Is Harbor Lakes a 55+ community?

No primary source we reviewed describes Harbor Lakes as a 55-and-over community: the master Declaration, the county roll, the state condominium register and the master association’s public pages set no age restriction. Buyers of any age can purchase, and any restriction would have to appear in the recorded condominium documents.

Can I rent out my Harbor Lakes condo?

Yes, subject to the Harbor Lakes Declaration and rules, which set any minimum term, frequency limit or approval, and the master Declaration, which binds tenants to the governing documents. The September 30, 2026 MLS pull showed two Building K units listed for rent at $7,200 and $7,500 a month in season and $4,500 off season.

What is the pet policy at Harbor Lakes?

Pet rules come from the Harbor Lakes Declaration and rules and the master association’s Rules and Regulations; the recorded master Declaration has no pet provision. We found no Harbor Lakes pet rule in a primary document, and rental-listing statements are not one, so read the condominium documents before you buy.

Is Harbor Lakes in a flood zone?

Yes. FEMA maps every Harbor Lakes building and the common element in Zone AE, a coastal Special Flood Hazard Area with a base flood elevation of 10 feet (NAVD88), on panel 12071C0652G, effective November 17, 2022. We measured it at all 16 building centers, every parcel outline and six street addresses on November 1, 2026.

Do I need flood insurance at Harbor Lakes?

A federally backed mortgage on a building in Zone AE requires flood insurance, so a financed Harbor Lakes buyer should expect it, and a cash buyer should price it anyway. The association’s building policy and your own unit policy are separate; the premium follows the elevation certificate and the floor, and NFIP policies get the City’s 25% CRS discount.

What evacuation zone is Harbor Lakes in?

All 16 Harbor Lakes buildings fall in Lee County Evacuation Zone A, storm surge zone 1, which is the first area Lee County orders to evacuate when a storm threatens. Confirm an address with the state’s Know Your Zone lookup before hurricane season.

How did Hurricane Ian affect Harbor Lakes?

We found no primary source documenting Ian damage to specific Harbor Lakes buildings. Inside Bonita Bay, the documented damage includes the destruction of the Private Beach facility, since rebuilt, and Club course bridges left undrivable. The seller’s disclosures, the association’s records, City permit history and insurance claims are where a buyer confirms a building’s history.

Do Harbor Lakes buildings need a SIRS or milestone inspection?

Not by statute. Section 553.899 milestone inspections and the Section 718.112(2)(g) structural integrity reserve study apply to condominium buildings three habitable stories or higher, and every Harbor Lakes building is two stories. The association still budgets reserves for roofs, paint and paving under Section 718.112(2)(f), so read the reserve schedule.

Does Harbor Lakes require a Bonita Bay Club membership?

No. The Bonita Bay Club is a separate, member-owned private club, and buying a Harbor Lakes condo neither makes you a member nor requires you to join. Golf, racquet sports and Club dining come only with a membership, which is a separate decision with its own fees.

Can I use the Bonita Bay beach without a Club membership?

Yes. The Private Beach on the Gulf is owned by the master association and is an amenity of every Bonita Bay owner, Harbor Lakes owners included, through the master association, with a resident shuttle. It was rebuilt after Hurricane Ian destroyed the earlier facility.

Is there a special assessment at Harbor Lakes right now?

The master association’s $500 per unit beach-rebuild assessment was approved March 20, 2025 and due June 30, 2025, so it is past. Whether the Harbor Lakes association has a pending or approved special assessment appears on its estoppel certificate and in its budget and board records, which a buyer should read before the inspection period ends.

What is the typical sold price for a Harbor Lakes condo?

The Lee County record shows 21 qualified Harbor Lakes resales in the 60 months since November 2021 at a $559,000 median, from $390,000 to $745,000. Split by plan, the five 1,313-square-foot deeds have a $435,000 median and the four 1,654-square-foot deeds $617,000, so price the plan and floor, not the street.

How fast do Harbor Lakes condos sell?

The five Harbor Lakes closings in the Southwest Florida MLS, pulled September 30, 2026, split in two: three took zero to three days on market, and two took 181 and 203 days. The quick sales closed at or within half a percent of asking; the slow ones closed 1.9% and 11.2% below it.

How many Harbor Lakes condos are for sale now?

On the Southwest Florida MLS pull of September 30, 2026, one Harbor Lakes condo was listed for sale, a 1,677-square-foot second-floor unit at 27011 #201 asking $539,000, and one, 27071 #103, was under contract at an asking price of $469,000. Listings change weekly, so check the current inventory before you plan a visit.

What documents do I get when I buy a Harbor Lakes condo?

Section 718.503 entitles a resale buyer to the Harbor Lakes Declaration, articles, bylaws and rules, the annual financial statement and budget, the latest structural integrity reserve study or a statement that there is none, and the state’s question-and-answer sheet, with a 7-day review right. The master association’s disclosure summary comes too.

What schools serve Harbor Lakes?

Lee County public schools use proximity-based choice: a student ranks schools within the proximity zone for the address. Under the district’s 2025-2026 plan, nearby options include Spring Creek Elementary, Bonita Springs Middle and Bonita Springs High. Confirm a Lake Harbor Court address with the district’s zone locator.

How does Harbor Lakes compare with the Crossings?

The Crossings, 0.53 mile away, is 73 condos in four condominiums, including two elevator buildings, built 1989 to 1999, with 13 deeds in 60 months at a $649,900 median and building centers mapped outside the flood hazard area. Harbor Lakes is 80 two-story garage condos with 21 deeds at $559,000, every building in Zone AE.

How does Harbor Lakes compare with Sandpiper?

Sandpiper, next door on Lake Forest Drive, is 120 condos of 1,371 to 1,593 square feet built 1991 to 1994, with 35 deeds in 60 months at a $412,500 median. Harbor Lakes’ plans run larger, up to 1,951 square feet, every readable Harbor Lakes card records a garage, and its median runs $146,500 higher.

Frequently Asked Questions, Seller Edition

The questions below are the ones Harbor Lakes sellers ask us most, answered from the Lee County deed record, the Harbor Lakes county condo cards, the state condominium and elevator registers, the recorded documents, the Florida statutes, FEMA’s flood layer and the Southwest Florida MLS figures pulled on September 30, 2026. Each answer is specific to Harbor Lakes’ 16 buildings and six plans and names the record behind it.

What is my Harbor Lakes at Bonita Bay condo worth?

A Harbor Lakes condo is worth what the matching deeds for its plan, floor and condition say. The five-year county median is $559,000 across 21 resales, from $390,000 to $745,000, but the 1,313-square-foot plan ran $390,000 to $505,000 and the 1,951-square-foot plan $582,500 to $745,000. A free valuation from us starts with the deeds that match your unit, weights the 2026 deeds over the 2023 ones, then tests the number against Sandpiper, Greenbriar and Lakeside and the active listings that week.

Who is the best listing agent for Harbor Lakes at Bonita Bay?

The best Harbor Lakes listing agent is one who knows the street as six plans on two floors and prices from the deed record. McGreevy and Comisar are Top 1% Real Estate Agents Nationally Since 2008 and the #1 team in Southwest Florida since 2012, and for this guide we read 80 of the 81 Harbor Lakes county cards and every qualified deed, checked the state elevator register, and measured the flood zone, the ponds and the golf course parcels at all 16 buildings.

How many Harbor Lakes condos sold in the last 12 months?

Six qualified Harbor Lakes deeds were recorded in the Lee County file in the 12 months to September 30, 2026: $430,800, $745,000, $470,000, $435,000, $444,000 and $582,500, for $3,107,300 in volume. The Southwest Florida MLS, pulled September 30, 2026, counted five closings in that period plus one more sale under a different status code, the same six sales at the same prices.

What do 1,313-square-foot Harbor Lakes condos typically sell for?

The 1,313-square-foot two-bedroom plan, on the ground floor of the six-unit buildings, recorded five qualified deeds in the 60 months since November 2021 at a $435,000 median: $505,000 in December 2023, $390,000 and $430,800 in 2025, and $435,000 and $444,000 in 2026. The four deeds since 2025 sit within $54,000 of each other, which makes this plan the easiest to price from the record.

What do 1,514-square-foot Harbor Lakes condos typically sell for?

The 1,514-square-foot three-bedroom plan, on the ground floor of both building types, recorded five qualified deeds in 60 months at a $559,000 median: $595,000 and $559,000 in 2023, $525,000 and $575,000 in 2025, and $470,000 in March 2026. The spread is wide for one plan, so condition, the porch enclosure and the date of the sale carry real weight in your price.

What do 1,654-square-foot Harbor Lakes condos typically sell for?

The 1,654-square-foot three-bedroom plan, on the second floor of the six-unit buildings, recorded four qualified deeds in 60 months at a $617,000 median: $530,000 in May 2023, $625,000 and $609,000 in 2024, and $639,900 in February 2025. No deed for this plan was recorded in 2026 through September, so its price has to be tested against the 2026 sales of the plans on either side of it.

What do 1,677-square-foot and 1,951-square-foot Harbor Lakes condos sell for?

The 1,677-square-foot plan, upstairs in the four-unit buildings, recorded four deeds in 60 months at a $575,000 median, from $465,000 in May 2025 to $640,000 in December 2022. The 1,951-square-foot plan, upstairs in both building types, recorded three: $680,000 in 2023, $745,000 in March 2026 and $582,500 in August 2026. Three deeds cannot set a norm, so condition and outlook decide where yours lands.

What about the 1,267-square-foot Harbor Lakes plan?

No 1,267-square-foot unit, the ground-floor two-bedroom plan of the four-unit buildings, recorded a qualified deed in the 60 months since November 2021. We price it from the 1,313-square-foot two-bedroom deeds in the six-unit buildings, adjusted for the 46-square-foot difference and the building type, and from the active listings the week you list. The county values all eight of these units at $332,835.

How long does it take to sell a Harbor Lakes condo?

On the Southwest Florida MLS, pulled September 30, 2026, three of five Harbor Lakes closings went under contract within zero to three days and two took 181 and 203 days. The active listing on that date had been on the market 420 days. Those five sales point to the asking price: the quick sales closed at or within half a percent of asking, and the slow ones closed 1.9% and 11.2% below it.

What sale-to-list ratio should a Harbor Lakes seller expect?

The five Harbor Lakes closings in the MLS pull of September 30, 2026 sold at a median 99.5% of their asking prices, from 88.8% to 100.0%. The lowest, 88.8%, was the unit listed at $485,000 that sat 203 days and closed at $430,800. A price set near the recent deeds of your plan keeps you near the top of that range.

My MLS listing shows more square feet than the county. Which should I use?

On the five sold Harbor Lakes rows in the September 30, 2026 MLS pull, the MLS living area matched the county heated area exactly. One rental listing showed 1,764 square feet for a 1,654-square-foot county plan. The county records the garage and the porch or lanai separately, so state the heated area your listing uses and price per square foot on one yardstick only.

Which documents must I give my Harbor Lakes buyer?

Section 718.503(2) requires you to give the buyer, at your expense, the Harbor Lakes Declaration, articles, bylaws and rules, the annual financial statement and budget, the association’s structural integrity reserve study statement and the state’s question-and-answer sheet. You also deliver the master association’s §720.401 disclosure summary, and Florida’s contract forms carry the flood disclosure required by Section 689.302.

What happens if I skip the condominium resale documents on a Harbor Lakes sale?

Under Section 718.503, if your buyer did not receive the required documents more than 7 days before signing, the contract is voidable by the buyer until 7 days (excluding weekends and legal holidays) after the documents are delivered. Ordering them at listing removes that open door from your Harbor Lakes sale and keeps your closing date where you set it.

What is an estoppel certificate and who orders it for a Harbor Lakes sale?

An estoppel certificate is the association’s signed statement of what is owed on your unit, including any pending special assessment. A Harbor Lakes sale needs two, one from the Harbor Lakes condominium association under Section 718.116 and one from the master association under Section 720.30851. The title agent usually orders them, and the statutes set the fees and response times.

Is there a Bonita Bay resale fee when I sell my Harbor Lakes condo?

The recorded 2011 master Declaration contains a buyer-paid resale reserve assessment, and a later master association statement describes a different formula, with no recorded amendment reconciling them. We do not publish either figure. The master association’s estoppel certificate for your Harbor Lakes closing states the amount due and who pays it under the contract.

Do I need my association’s approval to sell my Harbor Lakes condo?

The master Declaration requires no sale approval that we found; it requires the §720.401 disclosure summary. Whether the Harbor Lakes Declaration adds an approval, interview or notice step is set in that document, which we read before your condo goes on the market. If an approval applies, Florida caps the fee at $150 per applicant under Section 718.112.

Are there rules about for-sale signs and open houses at Harbor Lakes?

Yes. Bonita Bay’s open house guidelines require 72 hours’ notice to the master association with the listing agreement, limit hours to Monday to Saturday 9 to 5 and Sunday 1 to 4, require the master association’s sign standard, and allow no SOLD signs. The Harbor Lakes association’s own rules may add to them, so we check both before your first open house.

Does Florida’s milestone inspection or SIRS law apply to my Harbor Lakes building?

Not by statute. Section 553.899 milestone inspections and the Section 718.112(2)(g) structural integrity reserve study apply to condominium buildings three habitable stories or higher, and every Harbor Lakes building is two stories with units on floors 1 and 2. Your buyer still receives the association’s SIRS statement and reads the reserve schedule, so have the budget ready at listing.

How do I present the Harbor Lakes flood map to buyers?

State it plainly: every Harbor Lakes building is in FEMA Zone AE with a 10-foot base flood elevation on panel 12071C0652G, effective November 17, 2022, and a federally backed mortgage requires flood insurance. Then help the buyer price it with the building’s elevation certificate if the association has one, your own flood policy and premium, and the City’s 25% CRS discount on NFIP policies.

Is a ground-floor Harbor Lakes unit harder to sell because of the flood zone?

The record does not say so directly. Ground-floor and second-floor units sit in the same Zone AE building, and the ground-floor plans are also the smaller, two-bedroom ones, so price and plan are tangled together. On the county record the four lowest deeds are 1,313-square-foot ground-floor units. A clear flood answer, your premium and the elevation certificate remove the uncertainty that costs ground-floor sellers money.

Should I disclose the master association’s beach assessment?

The master association’s $500 per unit beach-rebuild assessment was approved March 20, 2025 and due June 30, 2025, so on a Harbor Lakes sale it is history, not a current charge. If it was paid, the master estoppel certificate will show nothing owed; disclose any assessment, master or Harbor Lakes, that is pending or unpaid at listing.

What repairs are worth making before I list my Harbor Lakes condo?

Fix what a buyer’s inspector and insurer will flag in a unit of 1993 or 1994: air conditioning, water heater, electrical panel, plumbing supply lines, sliders and windows, the garage door and opener, and the porch or lanai screens or glass. Fresh paint and lighting help photos. Larger remodels rarely return their full cost, and any exterior change needs association and master Design Review approval first.

Does a glass lanai add value to a Harbor Lakes condo?

The county records a glass-enclosed lanai on six Harbor Lakes cards and a screened porch on the other 73 readable cards, and two of the glass-lanai units carry county values above the rest of their plan, though the card does not say why. Market it as finished, all-weather space with its permit and approvals in hand, but price on heated area like every other unit.

How do I market a second-floor Harbor Lakes unit without an elevator?

Lead with what the second floor gives: the three largest plans (1,654, 1,677 and 1,951 square feet), a view over the pond from the porch, and the second-floor units’ record of the highest deeds on the street, $639,900 to $745,000. Be plain that no Harbor Lakes building is on the state elevator register, and show the stair and the garage in the photos and video.

How does the garage affect my Harbor Lakes price?

Every readable Harbor Lakes unit card records a garage of 219 to 259 square feet, so a garage does not set one Harbor Lakes unit apart from another; it sets Harbor Lakes apart from Bonita Bay condominiums without one. We use it against Sandpiper and Wild Pines listings and state which garage conveys with your unit under the Declaration.

Should I stage my Harbor Lakes condo?

Stage it, at least lightly. Harbor Lakes’ 80 units share six plans, so a buyer compares your unit with the last sale of the same plan, and condition and presentation are what separate them. Show the porch toward the pond, the garage and the bedroom count clearly; buyers from out of state often decide from photos and video before they visit.

When is the best time of year to list a Harbor Lakes condo?

Bonita Springs demand peaks in winter and early spring, when seasonal buyers are in town. On the county record, 14 of the 21 Harbor Lakes deeds since November 2021 were recorded from February to May. A well-priced unit sells in any month, as the June and August 2026 deeds show, but listing by January puts your condo in front of the most buyers.

What are my closing costs as a Harbor Lakes seller?

A Harbor Lakes seller typically pays the Florida documentary stamp tax on the deed, the owner’s title policy (customary for the seller in Lee County, though the contract controls), the listing commission, the cost of the condominium resale documents, prorated taxes and assessments, and any estoppel charges the contract assigns to the seller. We give you a net sheet from your price before you list.

Can I sell my Harbor Lakes condo while it is leased?

Yes, subject to the lease and the Harbor Lakes Declaration and rules. The lease usually survives the sale, so the buyer takes the unit with the tenant unless the lease says otherwise, and showing access follows its terms. On the September 30, 2026 MLS pull, two Building K units were listed for rent at $4,500 a month off season, so a lease is a real feature for an investor buyer.

How does Bonita Bay Club membership work when I sell my Harbor Lakes condo?

Club membership is separate from your Harbor Lakes deed. The Club does not publish its initiation fees, dues or transfer rules on its public website, and whether a membership can pass to your buyer is the Club’s decision under its own rules. The Harbor Lakes sale itself never requires a Club membership on either side.

Will financed buyers have trouble buying my Harbor Lakes condo?

Lenders review the condominium as well as the buyer, often asking for the association’s budget, reserves, insurance including flood, and owner-occupancy and delinquency figures. Because every building is in Zone AE, the lender will also require flood insurance. Having the association’s lender questionnaire, the insurance declarations and the budget ready at listing keeps a financed Harbor Lakes buyer on schedule.

How do I compare my Harbor Lakes condo with Crossings listings?

The Crossings sells higher on the county record ($649,900 median on 13 deeds) with elevator buildings, larger plans up to 2,959 square feet and building centers outside the flood hazard area, but garages only in Crossings II. Your Harbor Lakes condo offers a garage, one association and buildings below the SIRS line at a median $90,900 lower, and we market that difference directly.

How do I compare my Harbor Lakes condo with Sandpiper, Greenbriar and Lakeside listings?

Next-door Sandpiper recorded 35 deeds at a $412,500 median on plans of 1,371 to 1,593 square feet; Greenbriar 25 at $540,000; Lakeside six at $557,500. A buyer at your price will tour Greenbriar and Lakeside listings on Bayhead Drive, so we compare plan size, bedroom count, garage and floor side by side, not just price.

What records should I gather before listing my Harbor Lakes condo?

Gather the Harbor Lakes resale documents, your insurance declarations (HO-6 and flood), any elevation certificate, receipts and permits for air conditioning, water heater, windows, the lanai enclosure and remodeling, the garage assignment, any lease, and a recent four-point inspection. We order both estoppel certificates once you sign. A complete file shortens the buyer’s inspection period and the lender’s review.

What happens if my Harbor Lakes buyer’s inspection finds problems?

On a Florida as-is contract the buyer can cancel within the inspection period, so problems become a renegotiation, not an obligation. In a Harbor Lakes unit most findings are the owner’s systems (air conditioning, water heater, plumbing, electrical, sliders, garage door), while roof, structure and exterior belong to the association. A pre-listing inspection lets you fix or price them first.

Are Harbor Lakes prices rising or falling?

On the county record they have eased since 2023 on the plans that resold. The 1,313-square-foot plan sold for $505,000 in December 2023 and $430,800 to $444,000 in late 2025 and 2026; the 1,514-square-foot plan for $595,000 and $559,000 in 2023 and $470,000 in March 2026. The 1,951-square-foot plan set the street’s record, $745,000, in March 2026. The answer depends on your plan.

How are Harbor Lakes assessments and taxes handled at closing?

Property taxes for the year, the Harbor Lakes condominium assessment and the master assessment are prorated to the closing date on the settlement statement, using the figures on the tax bill and both estoppel certificates. Anything past due comes off your proceeds. A buyer’s new tax bill depends on the buyer’s exemptions and the reassessment after the sale, not on yours.

Can I sell my Harbor Lakes condo furnished?

Yes. Many Bonita Bay condos sell furnished, especially to buyers who plan a seasonal lease, and the Southwest Florida MLS lets a listing state what conveys. List the furniture on an inventory attached to the contract, decide whether it is included in the price, and note anything excluded. A furnished sale does not change the deed or the association documents.

Sources and Authoritative References

Every Harbor Lakes fact on this page comes from a recorded instrument or state record, a county, city, state or federal record, the Bonita Bay Community Association’s or the Bonita Bay Club’s own published pages, a named news report, or the Southwest Florida MLS figures pulled on September 30, 2026. Every link below was checked and answered on November 1, 2026; recorded Declarations and instruments are cited by book and page or instrument number in the text.

Lee County Parcel, Tax, Hazard and District Records

1. Lee County GIS, Evacuation Zones dataset
2. Lee County GIS, Evacuation Zones feature service (point queries at the 16 Harbor Lakes buildings and the common element, November 1, 2026)
3. Lee County GIS, parcel feature service: Harbor Lakes building parcels, stories, garage, dock and seawall fields, 2025 values, and the nearby golf course, master association and neighboring parcels, read November 1, 2026
4. Lee County Property Appraiser, parcel roll, Harbor Lakes condo and common-element field cards and qualified-sale file (index built November 1, 2026)
5. Lee County Tax Collector, tax bills and TRIM notices
6. Lee County Property Appraiser card, 27011 Lake Harbor Ct #101 (Building A, four-unit, floor 1; 1,267 sq ft; 2 bed, 2 bath; garage)
7. Lee County Property Appraiser card, 27030 Lake Harbor Ct #201 (Building O, floor 2; 1,677 sq ft; $640,000 deed, December 1, 2022)
8. Lee County Property Appraiser card, 27030 Lake Harbor Ct #202 (Building O, floor 2; 1,951 sq ft; $680,000 deed, May 12, 2023)
9. Lee County Property Appraiser card, 27071 Lake Harbor Ct #103 (Building G, six-unit, floor 1; 1,514 sq ft; $595,000 deed, April 10, 2023)
10. Lee County Property Appraiser card, 27071 Lake Harbor Ct #203 (Building G, floor 2; 1,951 sq ft; $582,500 deed, August 20, 2026)
11. Lee County Property Appraiser card, 27021 Lake Harbor Ct #201 (Building B, floor 2; 1,677 sq ft; glass lanai; $550,000 deed, March 18, 2025)
12. Lee County Property Appraiser card, 27080 Lake Harbor Ct #101 (Building K, floor 1; 1,313 sq ft; $390,000 deed, April 2, 2025)
13. Lee County Property Appraiser card, 27080 Lake Harbor Ct #203 (Building K, floor 2; 1,951 sq ft; $745,000 deed, March 2, 2026)
14. Lee County Property Appraiser card, 27051 Lake Harbor Ct #201 (Building E, floor 2; 1,677 sq ft; $465,000 deed, May 28, 2025)
15. Lee County Property Appraiser card, 27091 Lake Harbor Ct #102 (Building I, floor 1; 1,313 sq ft; $430,800 deed, October 31, 2025)
16. Lee County Property Appraiser card, 27091 Lake Harbor Ct #103 (Building I, floor 1; 1,514 sq ft; $470,000 deed, March 16, 2026)
17. Lee County Property Appraiser card, 27061 Lake Harbor Ct #102 (Building F, floor 1; 1,313 sq ft; $435,000 deed, April 15, 2026)
18. Lee County Property Appraiser card, 27031 Lake Harbor Ct #102 (Building C, floor 1; 1,313 sq ft; $444,000 deed, June 30, 2026)
19. Lee County Property Appraiser card, 27020 Lake Harbor Ct #201 (Building P, floor 2; 1,654 sq ft; $530,000 deed, May 12, 2023)
20. Lee County Property Appraiser card, 27071 Lake Harbor Ct #201 (Building G, floor 2; 1,654 sq ft; $639,900 deed, February 27, 2025)
21. Lee County Property Appraiser card, 27080 Lake Harbor Ct #202 (Building K, floor 2; 1,654 sq ft; $609,000 deed, July 25, 2024)
22. Lee County Property Appraiser card, 27080 Lake Harbor Ct #103 (Building K, floor 1; 1,514 sq ft; glass lanai)
23. Lee County Property Appraiser card, Harbor Lakes common elements, 27010 Lake Harbor Ct (OR 2398 PG 2275; clubhouse, pool, Jacuzzi, patio)

City of Bonita Springs

1. Bill of Incorporation and City Charter (codified 2012)
2. City Ordinance No. 22-05, Flood Hazard Reduction
3. City of Bonita Springs Community Development
4. Bonita Springs Fire Prevention plan review application (City Community Development)
5. City Zoning District Map Book (July 6, 2011)
6. City Community Development, how to use online services
7. City of Bonita Springs, FEMA Community Rating System (Class 5)
8. City CRS Floodplain Management Plan, FY 2025-26 progress report
9. City substantial improvement and damage toolkit (revised May 25, 2024)
10. City of Bonita Springs, area maps
11. City of Bonita Springs, history (1999 incorporation vote)
12. City zoning ordinances
13. City zoning resolutions
14. City of Bonita Springs, apply for a building permit
15. City of Bonita Springs, Hurricane Ian information
16. City news release, FEMA decision to maintain the City’s CRS classification
17. City of Bonita Springs, Hurricane Ian progress report
18. City news, Waste Management single-day collection
19. City services, Bonita Springs Utilities
20. City of Bonita Springs, 25th anniversary
21. City of Bonita Springs, flood protection information
22. City of Bonita Springs, Milton
23. City services, Fire Control and Rescue District
24. City services, Florida Power and Light
25. City of Bonita Springs, Hurricane Ian CDBG-DR grant management
26. City of Bonita Springs, stormwater and drainage

State of Florida

1. Florida Division of Corporations (Sunbiz): Bonita Bay Community Association, Inc., document N07041; Harbor Lakes Condominium Association, Inc., document N93000002624 (June 2026 read)
2. Florida Department of Revenue, documentary stamp tax
3. Florida Department of Financial Services, My Safe Florida Home
4. Citizens Property Insurance Corporation
5. Florida Highway Safety and Motor Vehicles
6. Florida Office of Insurance Regulation
7. Florida Building Commission, Florida Building Code 8th Edition (2023)
8. Florida Division of Emergency Management, Know Your Zone
9. Florida DBPR, condominium register extract (Harbor Lakes Condo, PR1P022432, 80 units, recorded June 21, 1993; managing entity MA00020797; read November 1, 2026)
10. Florida DBPR, elevator register extract (no Lake Harbor Court address listed; read November 1, 2026)
11. Florida DBPR, Bureau of Elevator Safety public records
12. Florida DBPR, condominium building reports
13. Florida DBPR, SIRS reporting and database
14. Florida Senate, SB 4-D (2022 Special Session D), Building Safety, Chapter 2022-269
15. Florida Senate, CS/CS/HB 913 (2025), Condominium and Cooperative Associations, Chapter 2025-175
16. Florida DBPR, Division of Florida Condominiums, Timeshares and Mobile Homes
17. Section 553.899, Florida Statutes (milestone inspections, three habitable stories or more)
18. Section 718.104, Florida Statutes (creation of condominiums; shares of common expenses)
19. Section 718.111, Florida Statutes (condominium association insurance and official records)
20. Section 718.112, Florida Statutes (bylaws; SIRS; transfer approval fee)
21. Section 718.113, Florida Statutes (maintenance; hurricane protection specifications)
22. Section 718.116, Florida Statutes (assessments; estoppel certificates)
23. Section 718.503, Florida Statutes (resale disclosure documents and the 7-day review)
24. Section 689.302, Florida Statutes (flood disclosure in residential sales)
25. Section 720.30851, Florida Statutes (estoppel certificates)
26. Section 720.401, Florida Statutes (HOA disclosure summary)
27. Florida Department of Financial Services, consumer services
28. South Florida Water Management District

Federal

1. US Census Bureau geocoder (used to place six Lake Harbor Court addresses and the Sandpiper, Lakeside, Greenbriar, Wedgewood, Crossings, Wild Pines, Club, master association, Promenade and office addresses)
2. US Geological Survey, National Hydrography Dataset map service (three ponds and the marsh measured against the 16 Harbor Lakes buildings, November 1, 2026)
3. FEMA National Flood Hazard Layer (point and parcel-outline queries at the 16 Harbor Lakes buildings, the common element and six street addresses, November 1, 2026)
4. FloodSmart, the National Flood Insurance Program consumer site
5. US Department of Housing and Urban Development, fair housing
6. NOAA National Hurricane Center
7. NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian
8. NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene
9. NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton
10. National Weather Service, Miami and South Florida forecast office

Schools

1. Bonita Springs High School
2. Bonita Springs Middle School
3. School District of Lee County, 2025-2026 Student Enrollment Plan
4. School District of Lee County, middle schools directory
5. School District of Lee County, school zones (2026-2027 plan approved December 1, 2025)
6. School District of Lee County, school zone locator
7. WGCU, July 9, 2025, Lee County school grades

Utilities and Public Safety

1. Bonita Springs Utilities
2. Bonita Springs Utilities, history
3. Bonita Springs Fire Control and Rescue District
4. Florida Power and Light

Bonita Bay Associations

1. BBCA, Bonita Bay Club
2. BBCA, Bonita Bay Marina and Backwater Jacks
3. BBCA, Community Association (automatic membership; what it maintains)
4. BBCA Awards and Recognitions 2026
5. BBCA Media Brochure, January 2026
6. BBCA Open House Guidelines
7. BBCA neighborhoods map
8. BBCA facilities and amenities map
9. BBCA trails map
10. BBCA, Private Beach
11. BBCA, property maps
12. BBCA, realtor and buyer resources
13. BBCA, style of living
14. BBCA, the parks of Bonita Bay
15. BBCA, vision (Spring Creek, Imperial River, Estero Bay)
16. Wild Pines of Bonita Bay, recap of the BBCA March 20, 2025 meetings ($500 beach special assessment), posted March 26, 2025

Bonita Bay Club, Marina and Developer

1. Bonita Bay Club, Hurricane Ian update, October 13, 2022
2. Bonita Bay Club, dining
3. Bonita Bay Club, golf
4. Bonita Bay Club, Lifestyle Center
5. Bonita Bay Club, our community
6. Bonita Bay Club, Sports Center
7. Bonita Bay Marina
8. Bonita Bay Marina, about the marina (36-inch draft)
9. Bonita Bay Marina, Backwater Jacks
10. Phoenix Bay Ventures, our legacy (Bonita Bay Group)
11. Hunter PR, Bonita Bay Club membership approves $110 million clubhouse project

News Reports

1. WGCU, November 21, 2024 CRS outcomes in Lee County
2. Business Observer, Bonita Bay Club members buy club real estate from developer, April 2, 2010
3. NPR, October 1, 2022, Hurricane Ian in Bonita Springs
4. Spotlight News, Bonita Bay Marina now in residents’ hands
5. Tampa Bay Times, September 29, 2022, Ian storm surge on Little Hickory Island
6. WGCU, January 27, 2026, the purpose of FEMA’s flood maps and revisions
7. WGCU, Lee County single-day trash pickups, April 15, 2024
8. WGCU, July 19, 2024, Lee communities retain flood insurance rates for now
9. WUSF, April 1, 2024, FEMA flood insurance rates and Lee County communities
10. WUSF, October 1, 2022, Bonita Springs residents recover from Ian storm surge

Healthcare

1. NCH North Naples Hospital
2. NCH Healthcare System, locations (NCH Bonita emergency department)
3. South Florida Hospital News, Lee Health Coconut Point freestanding emergency department
4. South Florida Hospital News, NCH Bonita emergency department recognition
5. NCH Healthcare System

Bonita Bay Neighborhood Guides Used for Comparison

1. McGreevy and Comisar, the Crossings at Bonita Bay guide
2. McGreevy and Comisar, Sandpiper at Bonita Bay guide
3. McGreevy and Comisar, Lakeside at Bonita Bay guide
4. McGreevy and Comisar, Greenbriar at Bonita Bay guide
5. McGreevy and Comisar, Wedgewood at Bonita Bay guide
6. McGreevy and Comisar, Wild Pines of Bonita Bay guide

Market Data

1. Southwest Florida MLS, Harbor Lakes closed, active, pending and rental records under the subdivision name HARBOR LAKES, pulled September 30, 2026 (5 closed in 12 months plus 1 sale under a separate sold status, 1 active, 1 pending, 2 active rental listings)
2. Lee County Property Appraiser recorded sales, through September 2026 (21 qualified Harbor Lakes resales in 60 months; newest recorded Harbor Lakes sale August 20, 2026)
3. Recorded Declaration cited in the county legal descriptions: Harbor Lakes Condominium (Official Records Book 2398, Page 2275), with later instruments at Book 2463, Page 2254; Book 2493, Page 421; and Book 2494, Page 616

Downloadable Documents

The official documents below are published by the Bonita Bay Community Association, the City of Bonita Springs, the School District of Lee County, the State of Florida and NOAA. They are the documents we read for this page, and the ones a Harbor Lakes buyer or seller should read before signing. Each link opens the issuing authority’s own copy.

The Harbor Lakes Declaration of Condominium (Official Records Book 2398, Page 2275) and its later instruments (Book 2463, Page 2254; Book 2493, Page 421; Book 2494, Page 616), the recorded master Declaration (Lee County Instrument 2011000142834) and the master association’s By-Laws (Instrument 2020000126919) are public records at the Lee County Clerk, retrieved by book and page or instrument number; none is posted as a free copy online, and the Harbor Lakes association’s articles, bylaws, rules, budget and SIRS statement come to a buyer with the resale package in a sale.

Market data from Southwest Florida MLS, pulled September 30, 2026. County sales and parcel records from the Lee County Property Appraiser, recorded sales through September 2026. McGreevy and Comisar, Best Realtor for Harbor Lakes at Bonita Bay. Brokered by Domain Realty. Jesse McGreevy, FL Lic. SL3101296 · Marc Comisar, FL Lic. BK3060671.