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106 W Acapulco St, South Padre Island, TX, 78597

4beds
6baths
2,159sqft
$755,000
$350price/sqft
$5,096/moest. monthly cost
$203,840/yrincome needed

About This Home

Rare and versatile triplex on South Padre Island offering lifestyle and income potential. The main home has 2 bedrooms, 2 full baths, plus a half bath, with a private balcony overlooking the Laguna Madre—perfect for sunsets and fireworks. Two additional 1-bed, 1-bath units provide rental income, extended family, or guest space, giving everyone privacy while staying connected. Outdoor living is ideal for island life with a saltwater heated pool, covered grilling area, spacious entertainment space, outdoor restroom, and storage for all your island gear. Eye-catching from the street, this property is a must-see in person. Conveniently located near the entertainment district, dining, and beaches, with future potential for expansion or use of the neighboring lot. A rare multi-family opportunity on SPI combining comfort, functionality, and investment potential.

Getting Around

58
WalkingSomewhat Walkable
0
TransitVery Limited Transit
43
BikeSomewhat Bikeable

Schools

6/10
Garriga Elementary SchoolGrades PK-53.7 mi
4/10
4/10
Port Isabel High SchoolGrades 8-125.3 mi

Construction

Condition

  • Year built: 2023

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Block,Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Oven,Refrigerator,Stove,Washer/Dryer
  • Laundry features: Washer/Dryer Hook-up

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen Island
  • Flooring: Tile

Heating & Cooling

  • Heating features: Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 2,159
  • Total interior livable area: 2,159 sqft

Property

Details

  • Parcel number: 6764000750011000
  • Zoning: C

Features

  • Levels: One,Two,Other-See Remarks
  • Stories: 2
  • Private pool: Yes
  • Pool features: Heated,Pool-Heated,Pool-Outdoor
  • Exterior features: BBQ Area,Balcony,Private Yard,Storage
  • Fencing: Fenced,Privacy
  • Waterfront features: Bay Interior

Lot

  • Lot size: 6,250 sqft
  • Features: Less than 1 Acre

Parking

  • Parking features: Assigned,Other

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland Flooding
Hail
Heat Wave
Ice Storm
Lightning
Strong Wind
Tsunami

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,817$45,804
Home Insurance *$209$2,508
Property Taxes $832$9,984
Electricity $238$2,859
Total$5,096$61,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,720/yr
40% on housing$152,880/yr
45% on housing$135,893/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

Texas Windstorm Insurance Association

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 126,680Commercial: -4
Total Premiums$237.28M
Total Exposure$32.93B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$350This listing

vs Other Active Listings

Avg $/sqft

ZIP 78597$298
Cameron County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 78597$411
Cameron County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-02Price change$755,000
2026-01-18Price change$750,000
2025-05-06Price change$875,000
2025-04-21Price change$938,000
2025-03-31Price change$948,000
2025-02-26Listed for sale$953,000
2024-08-09Listing removed$1,255,500
2024-04-17Listed for sale$1,255,500

For Sale by Agent

AgentSarah McKinlay
BrokerageKeller Williams Realty LRGV - SPI

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