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3406 Kelsey Ct, Harlingen, TX, 78550

5beds
3baths
2,850sqft
$527,250
$185price/sqft
$4,361/moest. monthly cost
$174,440/yrincome needed

About This Home

This newly constructed 5 bedroom 3 bath home boasts modern elegance and functional design. The spacious open concept layout seamlessly connects the gourmet kitchen featuring granite countertops, to a light filled living area perfect for entertaining. The primary suite offers a tranquil retreat with a luxurious en-suite bathroom and a walk in closet. four additional bedrooms provide ample space for family, guests or a home office. The property also includes a 2 car garage, a landscaped yard and energy efficient features, making it the perfect blend of comfort and contemporary style.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

5/10
Coakley Middle SchoolGrades 6-82.4 mi
9/10
Early College High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Stone,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Bonus Room,Ceiling Fan(s),Office/Study,Bar
  • Window features: Double Pane Windows
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Attic Fan

Interior Area

  • Total structure area: 2,850
  • Total interior livable area: 2,850 sqft

Master Bathroom

  • Features: Double Vanity,Soaking Tub,Private Commode,Separate Shower,Tub/Shower Combo

Master Bedroom

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 8852410030016000

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Covered
  • Exterior features: Sprinkler System
  • Fencing: None

Lot

  • Lot size: 0.26 Acres

Parking

  • Parking features: Attached,Garage Faces Side
  • Has garage: Yes

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

  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Hail
Heat Wave
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 $2,666$31,992
Home Insurance *$491$5,892
Property Taxes $892$10,704
Electricity $312$3,755
Total$4,361$52,332
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,520/yr
40% on housing$130,830/yr
45% on housing$116,293/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

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 78550$102
Cameron County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 78550$140
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)

Price History

DateEventPrice
2026-05-12Listed for sale$527,250
2026-03-01Listing removed$527,250
2026-01-07Listed for sale$527,250
2026-01-04Listing removed$527,250
2024-10-15Listed for sale$527,250
2018-08-22Listing removed$36,816
2018-02-14Listed for sale$36,816

New Construction

AgentTanya Villarreal
BrokerageRealty One Group, Modern Edge

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