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1010 E Madison Ave Unit A, Harlingen, TX, 78550

--beds
--baths
4,576sqft
$334,000
$73price/sqft
$2,876/moest. monthly cost
$115,040/yrincome needed

About This Home

Unique investment opportunity! Charming cottage-style 4-bedroom, 2.5-bath home featuring a spacious living room, formal dining room, mudroom, laundry room, and a second-floor deck perfect for relaxing. Ideally located near schools, shopping, restaurants, and major roadways. The property also includes a separate two-story duplex, with each unit offering 2 bedrooms and 1 bathroom, private yard space, and ample parking. Enjoy four parking spaces with convenient alley access, making this an excellent opportunity for owner-occupants, multi-generational living, or rental income. Don't miss this versatile property with endless possibilities!

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

6/10
6/10
Vernon Middle SchoolGrades 6-81.5 mi
4/10
Harlingen High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1932

Materials

  • Foundation: Slab
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Refrigerator,2 or More Water Heaters Per Unit,Electric Water Heater

Basement

  • Basement: Crawl Space

Features

  • Walk-In Closet(s),High Speed Internet

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 4,576
  • Total interior livable area: 4,576 sqft

Property

Features

  • Levels: Two
  • Patio & porch: Patio
  • Fencing: Privacy

Lot

  • Lot size: 7,000 sqft
  • Features: Curb & Gutter,Sidewalks

Parking

  • Total spaces: 6
  • Parking features: No Garage
  • Has garage: 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

  • Hurricane
    HurricaneVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Cold Wave
Hail
Heat Wave
Ice Storm
Winter Weather
Tsunami

FEMA Declared Disasters Across Texas Counties

Flood
Hurricane
Severe Storm

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 $1,688$20,256
Home Insurance *$311$3,732
Property Taxes $375$4,500
Electricity $502$6,029
Total$2,876$34,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$98,605/yr
40% on housing$86,280/yr
45% on housing$76,693/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: 6.0%
6.0%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$73This listing

vs Other Active Listings

Avg $/sqft

ZIP 78550$103
Cameron County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 78550$140
Cameron County$168

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
2026-07-25Listed for sale$334,000

For Sale by Agent

AgentLourdes Gavito-Galonsky
BrokerageKELLER WILLIAMS LRGV

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