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978 Mary Ann, Crystal Beach, TX, 77650

2beds
2baths
1,044sqft
$299,000
$286price/sqft
$2,176/moest. monthly cost
$87,040/yrincome needed

About This Home

Charming 2/2 located in the heart of Crystal Beach. Open concept with spacious kitchen and dining area. Located right across from the Big Store, you can't get anymore centrally located than this home! Direct beach access to the subdivision means the Beach is just a short walk or golf cart ride away! New outside AC unit and hot water heater installed in 2023

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
Ball High SchoolGrades 9-1217.2 mi
--
Austin Middle SchoolGrades 5-615.4 mi

Construction

Condition

  • Year built: 2004

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Other

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,044
  • Total interior livable area: 1,044 sqft

Property

Details

  • Parcel number: 567000000006001

Features

  • Stories: 1

Lot

  • Lot size: 4,238 sqft
  • Features: Other,0 Up To 1/4 Acre

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

  • Coastal Flooding
    Coastal FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Inland Flooding
Lightning
Tornado
Wildfire
Ice Storm
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 $1,511$18,132
Home Insurance *$73$876
Property Taxes $354$4,248
Electricity $238$2,859
Total$2,176$26,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,605/yr
40% on housing$65,280/yr
45% on housing$58,026/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

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 77650$223
Galveston County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 77650$303
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
2026-05-12Price change$275,000
2025-07-31Price change$299,000
2024-12-03Listed for sale$275,000
2024-09-25Listing removed$290,000
2024-09-25Price change$290,000
2024-06-28Price change$300,000
2024-05-16Listed for sale$325,000
2024-04-23Listing removed--
2024-01-13Listed for sale$299,000
2024-01-03Listing removed--
2023-11-29Price change$279,000
2023-09-25Price change$299,000
2023-09-11Price change$315,000
2023-08-15Listed for sale$329,000

For Sale by Agent

AgentColby Walters
BrokerageSwedes Real Estate LLC

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