Five-year reserve planning My HOA Budget

Tampa, Florida mixed HOA

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Harbour Island

Harbour Island is a mixed HOA in Tampa, Florida. This profile tracks monthly dues $283–$700/mo, 600 units, managed by CKT Asset Management, reserve study status not yet verified, along with amenities, reserve question...

mixed Public records Reserve health: No study on record Browse Tampa communities Florida reserve laws

Profile 56% complete — board members can fill in the rest

HOA dues, reserve study, and community facts

Units 600
Year built —
Monthly dues $283–$700/mo
Reserve health Check my risk
Management CKT Asset Management
Active listings 20
Median sale price $630K

Amenities

PoolGymTennisPickleballSpaSaunaClubhouseGatedParking garageBoat dockDog park

Board and management

No board listed — who's managing your dues?

Board member? Claim this page

Reserve study and funding

Harbour Island has no reserve study on record. Without one, there's no way to know if dues cover what's coming.

Check what's missing

5-year outlook

Will you get hit with a special assessment?

Special assessments can run into thousands per unit when major work outruns reserves. We model that risk for Harbour Island based on reserve health, building age, and Florida requirements — so you see it coming before the board votes.

Special assessment risk Planned dues increases Reserve shortfall forecast
I am a...

Values used: scaled defaults where community data is unknown — starting reserve (scaled from unit count at $15k/unit); annual opex (scaled from revenue at 84%).

Try it on a typical condo

A mid-size urban condo, five years out

Starting reserve $1.5M · $500K/yr dues revenue · $420K/yr operating expenses · $1.5M of reserve-study capital work over five years. Switch on the levers your board actually controls and watch where the reserve lands.

5-year ending reserve$9.68MPlan is healthy
$0HEALTHY TARGET · $1.0M202620272028202920302031$9.7M
Annual dues increase+5% compounding · $2.04M/yr → $2.60M/yr by 2031
5%
Operating expense growth+4% YoY · insurance, vendors, utilities · $1.71M/yr → $2.08M/yr by 2031
4%
Board member next stepTurn this scenario into a board-ready next step.

Send the reserve-planning context and keep the follow-up focused on board decisions.

Plan our next five years

About Harbour Island

Harbour Island is a master-planned waterfront neighborhood in downtown Tampa with 600+ homes across multiple condo buildings and townhome communities. Major buildings include Harbour Court (126 units, 1987), Harbour Place (206 units, 1999), The Plaza (141 units, 2007), Grandview (64 units, 2003), and Seddon Cove (72 units). The community is gated with its own bridge access.

What we know

  • Homes: 600+ units across multiple buildings and townhome clusters
  • Decades built: 1980s through 2007
  • Monthly dues: $283–$700/mo (varies by building)
  • Management: CKT Asset Management (Harbour Island North); individual buildings may have separate managers
  • Amenities: Life Time Fitness facility (36,000 sq ft, opened July 2024) with tennis, pickleball, resort pool, spa, sauna, and fitness studios. Boat docks, dog parks, and building-specific pools
  • Active listings: ~20 units for sale
  • Median sale price: ~$630K

Each building operates as its own condo association, so dues and rules differ.

Reserve health

Reserve health hasn’t been verified for Harbour Island yet. Before you approve a budget, pay a special assessment, or close on a unit here, Florida law defines exactly what reserve records a mixed-use community must keep and what owners can request — see Florida condo reserve funding rules.

With multiple separate associations across different decades, reserve adequacy varies by building. None have been verified.

What’s still missing

  • Board rosters for individual building associations
  • Reserve study dates and balances per building
  • Special assessment history
  • Community photos

For board members

If you serve on any Harbour Island building board, you can claim this page to add your building’s reserve data and board roster.

More Tampa communities

View Tampa directory
Public records Towers of Channelside
257 units $1,200–$3,400/mo condo

Florida laws that apply here

Condo reserve funding

Florida condominium reserve funding rules, in plain language

How Florida's Chapter 718 condominium statute actually handles reserves — through a default budget framework, a member-vote waiver mechanism for some reserves, and the post-Surfside Structural Integrity Reserve Study regime that makes certain reserves non-waivable — and what all of that means for a board, owner, or buyer.

Fla. Stat. § 718.112(2)(f) and (g) — condominium annual budgets, reserve accounts, waiver limits, and Structural Integrity Reserve Study requirements, with milestone-inspection cross-reference to Fla. Stat. § 553.899 Reserve funding

Florida HOA reserve funding rules, in plain language

How Florida Statutes Chapter 720 actually handles HOA reserves, why they are elective rather than mandatory, and what that means for a board, owner, or buyer making a real decision.

Florida Statutes § 720.303(6) — Budgets; reserves

Is this your community?

Board members and property managers can claim this page to add photos, amenities, board roster, and reserve details. Make Harbour Island look as good online as it does in person.

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Next step

Need documents from Harbour Island?

We can help you request reserve studies, budgets, and meeting minutes. Pick the option that fits.

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