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354 Sir Lancelot Dr N, Bay City, TX, 77414

2beds
1baths
520sqft
$124,900
$240price/sqft
$1,118/moest. monthly cost
$44,720/yrincome needed

About This Home

Adorable waterfront home on 2 lots in Camelot Forest. Located near the front in one of its best maintained sections, this home sits at the end of a dead end street, offering minimal vehicle & watercraft traffic thanks to being near the bridge. Perfect as a full time residence, weekend getaway or investment property! Perks include a vinyl bulkhead, fishing pier, spacious decking & fully fenced yard. The shaded 2nd lot offers plenty of space for your boat and/or RV. Recent updates include new front pilings & support structure, roof, siding & aerobic septic. Storage shed included. Just minutes from the beach, East Matagorda Bay, boat launch, restaurants & local bar & grills. With low property taxes, continued growth in the area & convenient access to Houston, Lake Jackson, Bay City & surrounding communities, this is an affordable opportunity to own your own slice of the Texas coast. Come experience why so many people are choosing Sargent as their favorite place to relax, fish & call home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
Van Vleck Elementary SchoolGrades PK-518.2 mi
5/10
Van Vleck Jr High SchoolGrades 6-818.2 mi
5/10
Van Vleck High SchoolGrades 9-1218.2 mi

Construction

Condition

  • Year built: 1986

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Cement Siding,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Cooktop

Bedroom

  • Level: First
  • Dimensions: N/A

Bedroom

  • Level: First
  • Dimensions: N/A

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric,Window Unit(s)

Interior Area

  • Total structure area: 520
  • Total interior livable area: 520 sqft

Property

Details

  • Parcel number: 29138

Features

  • Stories: 1
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Bulkhead,Pier

Lot

  • Lot size: 7,840 sqft
  • Features: Waterfront,0 Up To 1/4 Acre

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
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Coastal Flooding
Inland Flooding
Cold Wave
Heat Wave
Lightning
Tornado
Wildfire
Tsunami

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane

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 $631$7,572
Home Insurance *$123$1,476
Property Taxes $126$1,512
Electricity $238$2,859
Total$1,118$13,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,331/yr
40% on housing$33,540/yr
45% on housing$29,813/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: 1.9%
1.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 11.0%
11.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$240This listing

vs Other Active Listings

Avg $/sqft

ZIP 77414$160
Matagorda County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 77414$142
Matagorda County$153

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
2026-08-13Listed for sale$124,900
2026-08-04Pending sale$124,900
2026-07-03Listed for sale$124,900

For Sale by Agent

AgentBridget Collins
BrokerageRE/MAX Leading Edge

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