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103C E Palmetto Dr, South Padre Island, TX, 78597

3beds
4baths
2,321sqft
$850,000
$366price/sqft
$5,743/moest. monthly cost
$229,720/yrincome needed

About This Home

Townhouse two story, downstairs has two bedroom, tv room, one bath. Upstairs has kitchen, spacious living area with balcony and half bath, Master bedroom, second balcony, Master bath with bathtub, large swimmingpool, half bath,

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
Garriga Elementary SchoolGrades PK-54.7 mi
4/10
4/10
Port Isabel High SchoolGrades 8-125.9 mi

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Other

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,321
  • Total interior livable area: 2,321 sqft

Property

Details

  • Zoning: Res

Features

  • Private pool: Yes
  • Pool features: Outdoor Pool
  • Waterfront features: Gulf Interior

Lot

  • Lot size: 4,473 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $4,298$51,576
Home Insurance *$235$2,820
Property Taxes $956$11,472
Electricity $254$3,058
Total$5,743$68,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$196,902/yr
40% on housing$172,290/yr
45% on housing$153,146/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

$366This listing

vs Other Active Listings

Avg $/sqft

ZIP 78597$297
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
2026-04-24Listed for sale$850,000
2025-12-04Listing removed$850,000
2025-01-04Listed for sale$850,000
2024-02-07Listing removed$850,000
2023-02-06Listed for sale$850,000
2023-01-19Listing removed--
2022-01-19Listed for sale$850,000

For Sale by Agent

AgentTelma Lopez
BrokerageColdwell Banker La Mansion Real Estate

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