There is a reason The Harbor at Possum Kingdom Lake turns heads. So much of lake living is scattered across a big reservoir. Yet The Harbor gathers the best of it behind one manned gate. You drive in past the guardhouse, and the resort feel is immediate. Think manicured grounds, a chapel on the hill, water features, and the marina just beyond. Plus, you can choose how you want to live here. Maybe a low-maintenance condo, a lock-and-leave villa, a carriage house, or a custom waterfront home.

Explore The Harbor

Overview · What’s Different · Homes & Lots · Market Pulse · Buyer Notes · Seller Notes · Amenities · Rules & Associations · FAQ

The Harbor at Possum Kingdom at a Glance

Here’s the quick orientation before we dig in. The Harbor at Possum Kingdom Lake sits on the lake’s northeastern shoreline, and it pairs serious amenities with a true mix of property types — so the lifestyle scales from weekend condo to full-time waterfront estate.

What Makes The Harbor Different

A full-time concierge. Two resort pools and a spa. A private chapel, fishing ponds, and a marina at your doorstep — all behind a manned gate. Very few communities at Possum Kingdom, or anywhere in North Texas, package this much into one address. But The Harbor does. And then it layers in real variety.

So you might pick a turnkey condo, a lock-and-leave villa, a carriage house, or a custom waterfront home. Still, you share the same amenities and the same sense of arrival. Meanwhile, the trade-off for all that range is a layered set of governing documents. In short, the master HOA sets the baseline. Then a condo association, a villa association, and The Pointe each sit on top of it. So the smart first move is figuring out which documents apply to the home you love.

The Hill Country Harbor Condominium (Condo Association)

The condos and carriage houses fall under The Hill Country Harbor Condominium. So it was established by a Condominium Declaration recorded in August 2007 by Hill Country Harbor, L.P. It layers over the base Harbor documents, and it’s run by its own Condo Owners Association (COA). What makes it appealing is how little you have to manage.

The COA bills its own dues on top of the master HOA. In exchange, it handles water, trash, sewer, and landscaping. Plus, it carries the building insurance, so owners only insure their own contents. It also takes care of preventative exterior upkeep, and that includes re-staining the buildings every few years. Each unit comes with an appurtenant garage and carport, too. So a condo here is genuinely lock-and-leave. As always, confirm the current COA dues and rental policy for the specific unit.

The Harbor Villas (Villa Owners Association)

The villas and townhomes belong to the Hill Country Harbor Villa Owners Association (VOA). It’s recorded between Hill Country Harbor and the Villa Owners Association, and it’s layered over the base Harbor documents. So the draw here is the same easy ownership the condos enjoy, just in a townhome-style footprint.

The VOA charges its own dues in addition to the master HOA. Those cover water, trash, sewer, and landscaping. Plus, there’s a nice protective detail baked into the rules. Heating in each villa must stay at a minimum of 50°F from November through March, which guards against winter freeze damage when owners are away. Still, verify the current VOA dues and rental rules for any specific villa.

The Pointe at Hill Country Harbor

The Pointe is the community-within-the-community, and it’s arguably the most exclusive address at The Harbor. It has its own Declaration of Covenants, Conditions and Restrictions. Plus, it runs through its own association — The Pointe at Hill Country Harbor Owners Association, Inc. — layered over the base Harbor documents.

So what makes it special? Well, a second gate, for one. The Pointe sits behind its own access-control gate, just beyond the main guardhouse. And it owns a private swimming pool and pool facilities reserved for its members. Meanwhile, it also maintains its own park area and interior roadways. Architectural review here is hands-on, too, so the board approves plans and drawings to protect the look of the enclave. As a result, you get a quieter, gated pocket of custom homes with amenities you don’t share with the rest of the community. Still, always confirm The Pointe’s current dues and building requirements for any specific lot.

Hill Country Harbor Owners Association (Master HOA)

Everything at The Harbor ultimately rolls up to the master association, Hill Country Harbor Owners Association, Inc. It’s a Texas nonprofit organized in 2005 under a recorded Declaration of Covenants, Conditions and Restrictions for Palo Pinto County.

So the master HOA owns and runs the shared amenities. That means security, the concierge, the sports complex, two resort pools, the fitness pavilion and spa, the fishing ponds, the water features, the hike-and-bike trails, and the roads. Plus, it funds the year-round events calendar, from the July 4th and Memorial Day gatherings to the Easter egg hunt, summer dive-in movies, and winter hayrides. Every owner pays the master HOA assessment. Then the COA, VOA, or The Pointe adds its own dues on top. And because each sub-association sets its own rental terms and building rules, always confirm which documents govern a property before you count on a given use.

Current Homes and Lots in The Harbor

Below is a curated, always-current look at what’s available inside The Harbor — pulled live from the MLS. Inventory moves, so if you don’t see the right fit today, check back or ask us to set up a custom alert.

The Harbor Market Pulse

First, a quick read on how The Harbor is moving right now. These figures are pulled straight from the live Harbor MLS searches. Still, verify the latest numbers before you make a decision.

Active-market figures (counts, median list price, median price per acre, price reductions, and new listings) are drawn from the live Harbor active/pending MLS searches. Sold counts cover roughly the last 12 months and are drawn from the Harbor sold search. Median sold price and average days on market are not shown because sold prices and dates are withheld under MLS compliance rules. These numbers are general guidance only, not legal or financial advice, and they change frequently — verify current figures before relying on them. Last updated: June 6, 2026.

What Buyers Should Study Before Buying in The Harbor

The Harbor stacks a master HOA over a condo association, a villa association, and The Pointe’s own association. So your very first move is the simplest one: pin down exactly which documents govern the property you like. A condo, a villa, a carriage house, a home in The Pointe, and a stand-alone custom home each come with different dues, rental rules, and building requirements.

From there, confirm the current master HOA assessment plus any sub-association dues. Next, ask for the recorded declarations and bylaws. Then read the use and rental restrictions closely. Also, verify waterfront rights, since they hinge on Brazos River Authority approval and differ by property.

After that, check what the dues actually cover. In the condos and villas, for instance, water, trash, sewer, landscaping, and exterior maintenance are bundled in. Plus, anything you plan to build or change is subject to architectural (ACC) review, so factor that timeline in. Still, this is general guidance only, not legal or financial advice — so verify the current documents for your specific property.

How to Position a Harbor Property for Sale

Selling at The Harbor is partly about the home and partly about the lifestyle that comes with it. Buyers here are paying for the gate, the concierge, the pools, and the marina as much as the square footage, so lead with that story. Meanwhile, the details still matter: have your association documents, current dues, and any ACC approvals organized and ready, because well-informed buyers move faster and negotiate less.

Pricing is where the sub-association structure really shows up. A condo, a villa, a carriage house, and a home in The Pointe each trade in their own little micro-market, so the right comparison set is property like yours under the same documents — not just any address inside the gate. We’ll pull the active and recently sold picture for your exact segment, weigh your dock or waterfront rights, and build a strategy around it. This is general guidance only, not legal or financial advice.

Amenities and Lake Lifestyle

This is where The Harbor earns its reputation. The community is consistently ranked among Possum Kingdom’s most amenity-rich addresses, and it shows the moment the gate opens.

Owners enjoy a full-time concierge, two resort-style pools with a hot tub, a spa and fitness center, a putting green, tennis courts, and a playground. Plus, beyond the pools, there are fishing ponds, hiking and biking trails, water features, and a chapel tucked into the grounds.

Meanwhile, Patterson Marina sits adjacent to the community for boat access. And Hemingway’s Restaurant and The Pie House are right next door for dinner and dessert. So the social calendar stays lively year-round, too. Think July 4th and Memorial Day celebrations, an Easter egg hunt, summer dive-in movies at the pool, and winter hayrides. Still, individual dock and waterfront rights vary by property and are subject to Brazos River Authority approval, so verify them for any specific home.

Rules, Building, Rentals, and Associations

The Harbor is governed first by the master Hill Country Harbor Owners Association under its recorded Declaration of Covenants, Conditions and Restrictions. Use is residential, an Architectural Control Committee reviews construction and exterior changes, and assessments fund the shared amenities and events. On top of that baseline, each sub-association brings its own layer.

In short: the condos and carriage houses follow the COA (The Hill Country Harbor Condominium), the villas and townhomes follow the VOA, and The Pointe follows its own association behind a second gate. Each sets its own dues and maintenance scope. Because the rules can change, always review the current governing documents and confirm the policy for the specific property. Anything you build or modify is subject to POA/ACC approval — verify current requirements before you plan. This is general guidance only, not legal or financial advice.

The Harbor FAQ

Where is The Harbor located?

The Harbor at Possum Kingdom Lake is a gated community on the southeastern shoreline of the Possum Kingdom Lake peninsula in Graford, Texas. Patterson Marina is adjacent, and Hemingway’s Restaurant and The Pie House are right next door.

What kinds of property can I buy in The Harbor?

You can buy custom lakefront and lake-view homes, condominiums, villas and townhomes, carriage houses, and a limited number of buildable lots. Each property type may fall under a different sub-association, so the dues and rules vary.

What amenities are available?

The Harbor offers a full-time concierge, two resort-style pools and a hot tub, a spa and fitness center, a putting green, tennis courts, a playground, fishing ponds, hiking and biking trails, a chapel, and a manned guardhouse. Marina access and lakeside dining are adjacent.

Who governs The Harbor?

The master association is Hill Country Harbor Owners Association, Inc. Separate sub-associations govern the condos (COA), the villas (VOA), and The Pointe, each layered over the base Harbor documents with its own dues and rules.

What are the building rules?

Use is residential, and an Architectural Control Committee reviews new construction and exterior changes under the master declaration and each sub-association’s rules. Plans require approval, so verify current ACC requirements before you build or remodel.

Are short-term rentals allowed?

Not at this time. There area areas just outside The Harbor, but nothing within its gates.

What do the association dues cover?

The master HOA assessment helps fund The Harbor’s shared amenities, security, concierge services, roads, common areas, and community operations. Condos, villas, and The Pointe may also have separate dues, and coverage varies by property type.

Villa dues should not be assumed to cover broad exterior building maintenance. They are more commonly tied to items such as water, sewer, mowing, and exterior grounds maintenance.

Condo owners should also verify insurance requirements. The COA may carry building insurance, but owners may still need coverage for the unit interior, contents, liability, deductibles, improvements, betterments, and any studs-in or walls-in exposure.

Are there waterfront or dock rights?

The Harbor fronts Possum Kingdom Lake with marina access adjacent, but individual waterfront rights vary by property and are subject to Brazos River Authority. At this time, no individual property has the ability to install their own personal private dock.

Who can help me buy or sell in The Harbor?

Possum Kingdom real estate agent Matthew Renfro and the Majestic Texas Homes team specialize in The Harbor and the wider Possum Kingdom Lake market and can guide you through each association’s documents, dues, and rules.

Explore Related Possum Kingdom Searches

Sizing up The Harbor against other parts of the lake? These Possum Kingdom searches and community guides make a great next stop.

Before You Buy or Sell in The Harbor

Page summary: The Harbor at Possum Kingdom Lake is a gated, resort-style community in Graford, Texas (Palo Pinto County), governed by the master Hill Country Harbor Owners Association with separate sub-associations for the condos, villas, and The Pointe. It offers custom lakefront homes, condos, villas, and carriage houses, plus amenities including a concierge, two resort pools, a spa and fitness center, fishing ponds, a chapel, and adjacent marina and dining. Dues, rental rules, and building requirements vary by association — verify current documents for any specific property.

Source note: Community details, amenities, rules, and figures on this page are drawn from The Harbor governing documents (the master HOA declaration, the condominium and villa association declarations, and The Pointe declaration), the existing community page, and live MLS searches as of the dates noted. Lake levels, docks, and waterfront rights are administered by the Brazos River Authority. This page is general guidance only, not legal or financial advice; all rules and figures are subject to POA/ACC approval and change — verify current details before relying on them.

Ready to Make The Harbor Home?

Whether you’re buying your first lake getaway or selling a waterfront estate, we know The Harbor building by building and association by association. So let’s find your fit — or position your property to stand out.