Harbor Hills, Lady Lake: an HOA, a separate club, and a county address.

Harbor Hills at a glance

Clubhouse address	6538 Lake Griffin Road, Lady Lake
City and county	Unincorporated Lake CountyLady Lake mailing address; Property Appraiser millage group 0001
2026 total certified millage	13.4678 millsOn the Property Appraiser’s pages for the club parcel and an HOA common-area parcel
Homeowners’ association	Harbor Hills Homeowners’ Association, Inc.Active Florida not-for-profit, filed May 25, 1989
Club and golf course	Owned by Harbor Hills Country Club LPSeparate from the HOA, per Lake County parcel records
Golf	18 holes, par 72, Lloyd Clifton designFive sets of tees, per Harbor Hills
Water access	Private marina, dock and boat rampOn a short canal to Lake Griffin, per Harbor Hills
Recorded plats	Unit 1 (1990) through a Phase 6C replat (2021)
Homes on the county roll	About 760 parcels coded single-familyIncluding golf-front and canal-front codes, plus about 45 vacant residential lots
Age status	Not described as 55+ on the developer’s siteConfirm in the recorded declaration for the lot’s phase
Villages district or CDD	None on Lake County’s district map

From Harbor Hills’ own website, the Lake County Property Appraiser, county GIS parcel, plat and district layers, and the Florida Division of Corporations. Checked October 10, 2026.

A Lady Lake address, a county tax bill

The mailing address says Lady Lake. The tax roll says otherwise. The Lake County Property Appraiser lists the Harbor Hills club and HOA parcels in millage group 0001, “Unincorporated,” with a 2026 total certified millage of 13.4678, and the county’s city-limits map places Harbor Hills outside the Town of Lady Lake. For comparison, the Water Oak park parcel inside town limits shows 16.6231 under group 00LL Lady Lake.

That matters in three places: the tax estimate a buyer budgets, the comps (Harbor Hills sales against Harbor Hills sales, not in-town Lady Lake), and who handles permits and zoning, which for unincorporated land is Lake County rather than the Town. Don’t assume who supplies water and sewer either; get the provider names and recent bills from the seller.

The HOA and the club are two different things

Lake County’s parcel records show the split. Common-area parcels belong to Harbor Hills HOA Inc. The golf course, the clubhouse at 6538 Lake Griffin Road and related parcels belong to Harbor Hills Country Club LP. Harbor Hills’ own site markets country club memberships separately, with promotions for new and pre-owned homes, and says a one-year membership is included for new residents of its Bella Vista neighborhood.

So a buyer can be looking at more than one set of obligations. Ask for each in writing:

• From the HOA: the disclosure summary Florida law requires before a contract (section 720.401), the declaration and rules for that phase, the current assessment and an estoppel certificate, which the association must issue within 10 business days of a written request (section 720.30851).
• From the club: whether membership is required for that lot, what it costs now, whether it transfers with the sale, and what happens if you decline it.
• From the neighborhood: whether the lot also sits under a sub-association. County records show one, Grove at Harbor Hills HOA Inc., owning common area.

What the club offers, by Harbor Hills’ own description

These belong to the club, so access depends on the membership terms:

• An 18-hole, par-72 course designed by Lloyd Clifton, with five sets of tees.
• Ten lighted Har-Tru clay tennis courts and a tournament stadium court, four Har-Tru pickleball courts and a racquetball court.
• A private marina, dock and boat ramp on a short canal to Lake Griffin, which Harbor Hills notes is part of the Harris Chain of Lakes.
• A heated junior Olympic pool, a fitness center, men’s and women’s spa facilities with sauna, steam room and whirlpool, and the Signature Grille.

Lake, canal and flood questions

County records code about 30 Harbor Hills parcels as canal-front single-family homes. On any lot near the water, look up the zone on the FEMA Flood Map Service Center before you write or accept an offer, and get an insurance quote early. Florida sellers of residential property must give buyers a written flood disclosure at or before contract under section 689.302. If a boat is part of the plan, ask how marina slips are assigned and what they cost; don’t assume one comes with the house.

New construction next to resales

Harbor Hills is still building. The developer’s site offers inventory homes, a choice of homesite with its own plans, and full custom homes, and Lake County records show Harbor Hills Development LP still holding vacant lots. The newest plats on record are Phase 6A (2009), Phase 6B (2018) and a Phase 6C replat (2021).

For a seller, that means a resale competes with builder incentives. For a buyer, it means weighing a resale’s price, age and condition against a new build’s price, upgrades and timeline, with the same HOA and club questions on both.

How I’d price and sell a Harbor Hills home

1. Pull the parcel and the plat.

   Unincorporated status, phase and lot type (interior, golf-front or canal-front) from the county record, plus homestead and exemptions on the current bill.

2. Get the HOA estoppel and the club status.

   Before pricing, know the assessment, any sub-association, and whether the lot carries a club membership a buyer would take over.

3. Comp inside the gate by lot type.

   Golf-front against golf-front, canal against canal, with current builder pricing as a ceiling check. Villages resales and in-town Lady Lake sales are different markets.

4. Build the water file.

   Flood zone, any elevation certificate, insurance history and dock details, ready before the first showing.

5. Know your net before you list.

   Run the seller net sheet, then set the price from the comps.

Compare before you choose

Shoppers who look at Harbor Hills often look at Water Oak, a land-lease manufactured-home community inside Lady Lake town limits, and at the age-restricted, owned-lot communities to the south: Legacy of Leesburg, Royal Highlands, The Plantation at Leesburg and Kings Ridge in Clermont. For a Villages address, start with Lady Lake and the bond, explained.

Questions people ask about Harbor Hills

Sources

Checked October 10, 2026. HOA assessments, club terms and builder offers change, so I re-check the documents and the parcel before any number goes in a listing or an offer.

1. Harbor Hills: home page (sales office, club and HOA information)
2. Harbor Hills: club amenities (tennis, marina, pool)
3. Harbor Hills: membership
4. Harbor Hills: golf
5. Lake County Property Appraiser: Harbor Hills Country Club LP, 6538 Lake Griffin Rd (Alt Key 3393228)
6. Lake County Property Appraiser: Harbor Hills HOA Inc. common-area parcel (Alt Key 3343646)
7. Lake County GIS: tax parcels layer (owners, land-use codes, millage groups)
8. Lake County GIS: city limits layer
9. Lake County GIS: recorded subdivision plats
10. Lake County GIS: community development district layer
11. Florida Division of Corporations: Harbor Hills Homeowners’ Association, Inc. (N32512)
12. Florida Statutes 720.401: HOA disclosure summary before a contract
13. Florida Statutes 720.30851: estoppel certificates
14. Florida Statutes 689.302: flood disclosure in residential sales
15. FEMA Flood Map Service Center