Summary
Oak Island Harbour is part of the Formosa Gardens area in Florida which means that it has a great location as it is only 2 miles away from the main entrance to Disney World which is one of the closest resorts and so this might be the one for you is you are the true hardcore Disney person that wants to maximise time in the park.
Oak Island Harbor is a smaller estate as it is part of the larger Formosa Gardens and so there is more of a community feel.