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1314 E Polk St, Harlingen, TX, 78550

3beds
3baths
1,658sqft
$189,000
$114price/sqft
$1,523/moest. monthly cost
$60,920/yrincome needed

About This Home

Welcome home! This spacious 3-bedroom, 2.5-bath home offers 1,658 square feet of comfortable living space. The home features a layout that flows through the main living areas. The kitchen features granite countertops and all kitchen appliances will convey. The spacious laundry room also offers plenty of storage. While the home's central HVAC comfortably cools the entire house, the primary bedroom includes an additional mini-split for those who might prefer sleeping extra chilly. One of the standout features is the enclosed patio, offering over 400 square feet of additional space! Complete with its own mini-split, half bath and wet bar, it's the perfect spot for watching the game, working out, hosting family get-togethers, creating a playroom, or simply having a place to unwind. Outside, you'll appreciate the oversized driveway with plenty of parking, a welcoming front porch, and an enclosed backyard with a storage shed.

Getting Around

83
WalkingVery Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

4/10
Travis Elementary SchoolGrades PK-50.5 mi
6/10
Vernon Middle SchoolGrades 6-80.3 mi
9/10
Early College High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 1940

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Bonus Room,Ceiling Fan(s)
  • Window features: Double Pane Windows
  • Flooring: Tile

Heating

  • Heating features: Central,Electric

Interior Area

  • Total structure area: 1,658
  • Total interior livable area: 1,658 sqft

Master Bathroom

  • Features: Shower Only

Master Bedroom

  • Features: Split Bedrooms,Walk-In Closet(s)

Property

Details

  • Parcel number: 2577600050003000

Features

  • Levels: One
  • Pool features: None
  • Fencing: Privacy

Lot

  • Lot size: 8,400 sqft
  • 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
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Heat Wave
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 $955$11,460
Home Insurance *$176$2,112
Property Taxes $154$1,848
Electricity $238$2,859
Total$1,523$18,276
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,217/yr
40% on housing$45,690/yr
45% on housing$40,613/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

$114This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-02Listed for sale$189,000
2026-07-21Listing removed$214,900
2026-07-11Price change$214,900
2026-05-30Listed for sale$219,900
2021-11-09Sold--
2021-10-01Pending sale$149,000
2021-09-19Listing removed--
2021-09-13Listed for sale$149,000

For Sale by Agent

AgentEddie Rodriguez
BrokerageKELLER WILLIAMS LRGV

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