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3129 Clifford St, Harlingen, TX, 78550

5beds
4baths
3,876sqft
$445,000
$115price/sqft
$3,680/moest. monthly cost
$147,200/yrincome needed

About This Home

Welcome to one of Treasure Hills' most unique homes! Major updates include new roof, ACs, flooring, fence & solar screens. This 5 bed, 4 bath retreat features multiple living & dining spaces, a custom wet bar with fireplace feature wall, game room, and a 12-seat theater with risers & hidden storage—perfect for entertaining or relaxing in style. The downstairs primary suite offers a walk-in closet, double vanity, and deep soaking tub. Upstairs includes spacious bedrooms with a Jack & Jill bath. Step outside to your private oasis with a gazebo, pond, and serene Arroyo Colorado views. Gated rear entry adds privacy with room for a future garage. Includes security system, cameras, mini fridges & more—even an AC'd doghouse! No flooding history. Ideal for multigenerational living or STR potential—this one truly stands out!

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
Coakley Middle SchoolGrades 6-82.1 mi
8/10
Early College High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Brick Veneer

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Wine Cooler,Electric Water Heater,Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Ceiling Fan(s),Office/Study,Bar,High Speed Internet
  • Window features: Shutters
  • Flooring: Laminate,Tile

Heating

  • Heating features: Central,Electric

Interior Area

  • Total structure area: 3,876
  • Total interior livable area: 3,876 sqft

Master Bathroom

  • Features: Double Vanity,Private Commode,Tub/Shower Combo

Master Bedroom

  • Features: Outside Access,Walk-In Closet(s)

Property

Details

  • Parcel number: 2455500100008000

Features

  • Levels: Two
  • Pool features: None
  • Patio & porch: Covered,Patio
  • Exterior features: Balcony
  • Fencing: Privacy

Lot

  • Lot size: 0.45 Acres
  • Features: Curb & Gutter

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 WaveRelatively High
  • Hurricane
    HurricaneRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Hail
Heat Wave
Ice Storm
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 $2,250$27,000
Home Insurance *$415$4,980
Property Taxes $590$7,080
Electricity $425$5,107
Total$3,680$44,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$126,171/yr
40% on housing$110,400/yr
45% on housing$98,133/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

$115This listing

vs Other Active Listings

Avg $/sqft

ZIP 78550$103
Cameron County$150

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)

Price History

DateEventPrice
2025-10-16Price change$435,000
2025-09-24Price change$449,999
2025-08-30Price change$469,999
2025-06-20Listed for sale$475,000
2019-02-23Sold--
2018-08-20Listed for sale$159,000
2018-08-20Pending sale$159,000
2018-06-28Listed for sale$159,000
2010-12-24Listing removed$179,000
2010-09-25Listed for sale$179,000

For Sale by Agent

AgentTana Springer
BrokerageEXP Realty, LLC

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