Harbor Club: The “Slow & Steady” Star of Lake Oconee’s Real Estate Market
Harbor Club has built something more enduring than of-the-moment flash: steady growth, consistent sales, and a lifestyle that delivers both joy and long-term value.
The 1,100-acre gated community on Lake Oconee’s north shore has quietly become one of the area’s most resilient and rewarding investments. With nine miles of lake frontage, an 18-hole championship golf course, and a suite of resort-style amenities, Harbor Club blends relaxed luxury with financial peace of mind.
Since 2021, average home prices around Lake Oconee have risen more than 20%. But while some neighboring communities have seen price swings and extended days on market, Harbor Club has held its ground with steady appreciation and consistent sales velocity. For buyers seeking more than just short-term appreciation, Harbor Club offers something rare: confidence. Whether as a primary residence, weekend escape, or investment property, homeowners enjoy the assurance that comes from a track record of performance, a balanced market position, and a vibrant community. Real estate sales over the past few years tell a clear story:
– Harbor Club had $69.3 million in sales in 2022
– Nearly $50 million in sales across 101 transactions in 2023
– $71.1 million in sales in 2024, comprised of 171 transactions (107 residential and 64 homesites)
– There are 39 pending and closed transactions totaling $33.4 million as of June 2025
Behind these numbers is a strategy of thoughtful, phased development. By releasing new homesites in measured waves and preserving inventory, Harbor Club has avoided the boom-and-bust cycles seen elsewhere. Today, the developer is nearing the end of its remaining lots, adding a layer of scarcity that continues to drive demand.
Part of Harbor Club’s appeal is its range of real estate offerings. New builds and resales start in the high $300,000s, while custom lakefront estates exceed $3 million. My Home Communities is currently delivering 36 single-family homes priced from the low $400,000s—making Harbor Club accessible to first-time buyers and empty nesters wanting to downsize, while still appealing to the most affluent lake and golf buyers. This diverse pricing structure ensures a broader market base and helps the community weather market shifts with ease.
“The community’s considerable appeal at the lake is driven by its sense of relaxed luxury, broad range of amenities and club activities, plus a wide range of home types and prices ranging from the $300’s to over $3 million,” says Kathy Phillips, Director of Real Estate at Harbor Club, and also a longtime Harbor Club resident.
Harbor Club’s value proposition isn’t just about price—it’s about how the community was built to last. Several key factors have contributed to its long-term strength:
– Master-planned from the start: With a mix of homes, gathering spaces, dining options, award-winning golf, racquet sports, and a wide range of amenities, Harbor Club offers more than just homes—it delivers a well-rounded lifestyle. Residents enjoy access to The Grove, a 12-acre wellness and recreation complex featuring a fitness center, Fit-Trails®, running track, event field, dog parks, community garden, and pond. The community also includes a Southern-style Clubhouse with a pro shop, restaurant, locker rooms, and meeting spaces, a member pool, a family-friendly playground, and a full-service Marina for boat storage and assistance.
– Controlled inventory release: A phased approach to development has kept supply in check and demand high.
– Preservation of character: By protecting natural spaces and limiting overdevelopment, the community has maintained its charm and appeal.
– Market responsiveness: Harbor Club’s leadership team adapts to buyer trends, supporting everything from speculative builds to custom homes.
– Financial strength: The Harbor Club Master Property Owners Association enjoys surplus funds, underscoring the community’s solid financial foundation.
The Bottom Line: In a region known for high demand and low inventory, Harbor Club stands out for all the right reasons. With proven appreciation, financial stability, and a well-rounded lifestyle offering, Harbor Club remains the steady standout of the Lake Oconee market.