Hi Jim - Regarding Harbourtowne Golf Resort. I confirm this is privately owned and is within a development known as Martingham Inn consisting of approximately 126 single family homes (including waterfronts), four townhouse communities (Widgeon, Quail Hollow, Gull Wing and Swan Villas) and 1 waterfront townhouse community (Hambleton Cove) with deeded boat slips. Harbourtowne Resort offers accommodation and restaurant. Membership for the golf, tennis, swimming pool and gym is by application and is not part of the HOA fees. The Martingham Homeowners have a community waterfront lot on Swan Road for use by owners. I also live on Martingham and will be happy to answer further questions. Call Elizabeth 410-924-1959.