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3626 Moraine Lake Dr, Santa Fe, TX, 77510

4beds
3baths
2,214sqft
$354,990
$160price/sqft
$2,627/moest. monthly cost
$105,080/yrincome needed

About This Home

READY NOW! Welcome to the Esperanza, a beautifully designed single-story home offering 4 bedrooms, 3 bathrooms, and a thoughtfully planned living space. Step inside to a spacious foyer that leads to an open family room, dining area, and kitchen with a sloped ceiling that adds an airy feel. The kitchen features a large island, abundant counter space, and a walk-in pantry, making it ideal for cooking and entertaining. The owner’s suite sits in its own private corner of the home and includes a luxurious bath with dual vanities, a walk-in shower, a soaking tub, and a generous walk-in closet. Three secondary bedrooms provide plenty of room for family, guests, or hobbies. The flex room can serve as a study, home office, or additional sitting area. Whether you’re hosting gatherings or enjoying quiet evenings, the Esperanza delivers the perfect balance of open living and private comfort, all on one level

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
ELVA C LOBIT MIGrades 5-62.8 mi
8/10
6/10
Dickinson High SchoolGrades 8-124.3 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Batts Insulation,Brick,Cement Siding

Other

  • Builder name: M/I Homes

Type & Style

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

Interior

Appliances

  • Appliances included: ENERGY STAR Qualified Appliances,Disposal,Gas Oven,Microwave,Gas Range,Dishwasher
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Primary Bed - 1st Floor,Walk-In Closet(s)
  • Flooring: Vinyl

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Electric

Interior Area

  • Total structure area: 2,214
  • Total interior livable area: 2,214 sqft

Kitchen

  • Features: Kitchen Island,Kitchen open to Family Room,Pantry

Master Bathroom

  • Features: Primary Bath: Double Sinks,Primary Bath: Separate Shower,Primary Bath: Soaking Tub,Secondary Bath(s): Tub/Shower Combo

Property

Details

  • Parcel number: 449310010010000

Features

  • Stories: 1
  • Patio & porch: Covered
  • Fencing: Back Yard

Lot

  • Lot size: 6,364 sqft
  • Features: Cul-De-Sac,Subdivided,0 Up To 1/4 Acre

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveVery High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Lightning
Tornado
Drought
Heat Wave
Inland Flooding
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 $1,795$21,540
Home Insurance *$213$2,556
Property Taxes $376$4,512
Electricity $243$2,917
Total$2,627$31,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,068/yr
40% on housing$78,810/yr
45% on housing$70,053/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

$160This listing

vs Other Active Listings

Avg $/sqft

ZIP 77510$189
Galveston County$194

vs Homes Sold Last Month

Median $/sqft

ZIP 77510$167
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
2026-04-07Price change$354,990
2026-03-02Price change$352,990
2026-02-23Price change$358,990
2026-02-02Price change$361,990
2026-01-13Listed for sale$366,990

New Construction Spec

AgentHeather Chavana
BrokerageM/I Homes

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