Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

221 Oak Rd, Clear Lake Shores, TX, 77565

2beds
2baths
1,050sqft
$419,900
$400price/sqft
$2,771/moest. monthly cost
$110,840/yrincome needed

About This Home

RARE VALUE + DEEP WATER ACCESS: Includes a transferable 10-year boat slip lease for just $98/year—a $35K+ added value. Situated on an oversized ~9,000 SF lot (50% larger than area standard), offering unmatched privacy. While the primary living area is 1,050 SF, the bonus climate-controlled storage/workshop on the ground level drastically increases total usable square footage. High-impact upgrades throughout.

Getting Around

25
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

7/10
Clear Falls High SchoolGrades 8-122.8 mi
7/10

Construction

Condition

  • Year built: 1977

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Ice Maker,Dryer,Refrigerator,Washer,Electric Oven,Microwave,Electric Cooktop,Dishwasher

Bedrooms & Bathrooms

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

Features

  • Balcony,High Ceilings,Vaulted Ceiling,All Bedrooms Up,En-Suite Bath,Walk-In Closet(s)
  • Window features: Window Coverings
  • Flooring: Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,050
  • Total interior livable area: 1,050 sqft

Master Bathroom

  • Features: Primary Bath: Shower Only,Secondary Bath(s): Shower Only

Property

Details

  • Parcel number: 262000001649000

Features

  • Stories: 1

Lot

  • Lot size: 8,999 sqft
  • Features: Subdivided,0 Up To 1/4 Acre

Parking

  • Parking features: Attached,Additional Parking,Boat,Converted Garage,Golf Cart Garage,Workshop in Garage,Attached Carport
  • Has garage: Yes
  • Carport: 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
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Coastal Flooding
Hurricane
Lightning
Tornado
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 $2,123$25,476
Home Insurance *$266$3,192
Property Taxes $144$1,728
Electricity $238$2,859
Total$2,771$33,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,005/yr
40% on housing$83,130/yr
45% on housing$73,893/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: 4.7%
4.7%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.7%
1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$400This listing

vs Other Active Listings

Avg $/sqft

ZIP 77565$291
Galveston County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 77565$166
Galveston County$165

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
2026-03-07Listed for sale$425,000
2026-03-07Listing removed--
2025-12-03Price change$424,999
2025-10-09Listed for sale$450,000

For Sale by Agent

AgentRegina Pope
BrokerageShaw Real Estate

Similar Homes