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5148 Fm 457, Bay City, TX, 77414

2beds
2baths
1,123sqft
$285,000
$254price/sqft
$2,249/moest. monthly cost
$89,960/yrincome needed

About This Home

Lovely 1,123 Sq. Ft. two story cottage 5 miles from town on 4.03 beautiful wooded acres with pecan trees. Additional adjoining land is available. This unique property has an intriguing history with a roadside marker mentioning Austin's colonies, sugar plantations and the Caney Post Office site of 1838. There is a water pond, concrete goldfish pond and a back deck. The home has an open living area, a relaxing whirlpool tub and a large walk-in closet are in the downstairs bath.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
4/10
Van Vleck Jr High SchoolGrades 6-84.4 mi
5/10
Van Vleck High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1998

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • 2 Primary Bedrooms

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,123
  • Total interior livable area: 1,123 sqft

Property

Details

  • Parcel number: 21508

Features

  • Stories: 2

Lot

  • Lot size: 4.03 Acres
  • Features: Cleared,2 Up to 5 Acres

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
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Drought
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 $1,441$17,292
Home Insurance *$281$3,372
Property Taxes $289$3,468
Electricity $238$2,859
Total$2,249$26,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$77,108/yr
40% on housing$67,470/yr
45% on housing$59,973/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

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 77414$158
Matagorda County$198

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
2026-04-27Listed for sale$285,000
2026-04-22Listing removed$285,000
2026-01-24Listed for sale$285,000
2026-01-17Listing removed$300,000
2025-09-18Listed for sale$300,000

For Sale by Agent

AgentChristen English
BrokeragePremier Town & Country Realty

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