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13414 Binnacle Way, Galveston, TX, 77554

3beds
3baths
1,600sqft
$725,000
$453price/sqft
$5,066/moest. monthly cost
$202,640/yrincome needed

About This Home

This 3-bdrm, 2 ½ bath home is nestled within the highly sought-after Lafitte’s Cove neighborhood. Complete with new flooring and redesigned baths! The open-concept kitchen, living, and dining area creates a welcoming space for entertaining. The kitchen features built-in oven and microwave, a massive island with an electric cooktop, and plenty of storage. The spacious primary suite located on the main floor boasts an ensuite bathroom featuring a large walk-in shower with dual shower heads. Upstairs, you'll find two additional bedrooms, each with private deck access, plus a full bathroom with a tub/shower combo. Outside, enjoy multiple decks, a covered lounge area, and your very own private pool—ideal for soaking up the sun or unwinding in the shade. After a beach day, rinse off in the convenient outdoor shower. Other highlights include a gas fireplace, shutter connections, + an enclosed garage for added storage and convenience. GCC Membership included -Normally a 3+ year wait to join.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

8/10
Oppe Elementary SchoolGrades PK-45.8 mi
3/10
Weis Middle SchoolGrades 5-86.8 mi
5/10
AIM College & Career PrepGrades 7-128.2 mi

Construction

Condition

  • Year built: 1996

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dryer,Refrigerator,Washer,Wine Refrigerator,Electric Oven,Microwave,Electric Cooktop,Dishwasher
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • Formal Entry/Foyer,Primary Bed - 1st Floor
  • Window features: Shutters,Window Coverings
  • Flooring: Laminate,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Electric,Natural Gas
  • Cooling features: Ceiling Fan(s),Electric

Interior Area

  • Total structure area: 1,600
  • Total interior livable area: 1,600 sqft

Kitchen

  • Features: Breakfast Bar,Island w/ Cooktop,Kitchen open to Family Room,Pots/Pans Drawers,Under Cabinet Lighting

Master Bathroom

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

Property

Details

  • Parcel number: 587000090011000

Features

  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Pool/Spa Combo
  • Patio & porch: Patio/Deck
  • Has spa: Yes
  • Spa features: Spa/Hot Tub
  • Fencing: Back Yard

Lot

  • Lot size: 7,305 sqft
  • Features: Back Yard,Greenbelt,Subdivided,0 Up To 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Attached,Additional Parking,Double-Wide Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Coastal Flooding
    Coastal FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Inland Flooding
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 $3,665$43,980
Home Insurance *$180$2,160
Property Taxes $983$11,796
Electricity $238$2,859
Total$5,066$60,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$173,691/yr
40% on housing$151,980/yr
45% on housing$135,093/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

$453This listing

vs Other Active Listings

Avg $/sqft

ZIP 77554$330
Galveston County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 77554$347
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
2026-01-20Listed for sale$725,000
2025-07-09Listing removed$3,500
2025-06-21Listed for rent$3,500
2021-09-20Listing removed--
2021-08-14Pending sale$550,000
2021-07-19Listed for sale$550,000
2021-06-17Listing removed--
2021-06-13Pending sale$550,000
2021-06-09Listed for sale$550,000
2020-10-07Listing removed$525,000
2020-09-18Price change$525,000
2020-08-30Listed for sale$575,000
2020-04-28Listing removed$2,950
2020-04-06Price change$2,950
2020-03-21Listed for rent$3,500
2010-01-28Listing removed$250,000
2009-10-13Price change$250,000
2009-08-01Price change$275,000
2009-05-11Price change$300,000
2008-12-03Listed for sale$325,000
2008-06-11Listing removed$349,900
2008-02-02Listed for sale$349,900

For Sale by Agent

AgentMarylouise Caravella
BrokerageCaravella Coastal a division of The Real Estate Brokerage Co. LLC

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