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About This Home

Ocean-view beach home located directly on the beach in Surfside Beach. This fully furnished 4-bedroom, 2-bath property features an open living area with balcony and patio, offering stunning sea views, a private beach area, and a refrigerator replaced in 2024. Significant updates include a new roof (2022), new HVAC (2023), upgraded bathrooms (2023 & 2025), and a major 2025 renovation with new subfloor, insulation, and luxury vinyl plank flooring throughout. Additional improvements include a new porch (2025), new outdoor shower, and updated downstairs ceiling. The home also offers a full kitchen, walk-in shower, outdoor entertaining space, and private parking, with convenient access to Surfside and Galveston amenities. **NO HOA**

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Getting Around

Car-Dependent

Very Limited Transit

Somewhat Bikeable

Schools

O A Fleming Elementary SchoolGrades PK-24.3 mi

3/10

Freeport Intermediate SchoolGrades 7-85.7 mi

4/10

Brazosport High SchoolGrades 9-125.5 mi

Construction

Condition

Year built: 2002

Materials

Foundation: Block & Beam
Roof: Composition
Construction materials: Wood Siding

Type & Style

Home type: SingleFamily
Architectural style: Other
Property subType: Single Family Residence

Interior

Appliances

Appliances included: Disposal,Microwave,Dishwasher

Bedrooms & Bathrooms

Bedrooms: 4
Bathrooms: 3
Full bathrooms: 2
1/2 bathrooms: 1

Heating & Cooling

Heating features: Electric
Cooling features: Electric

Interior Area

Total structure area: 1,600
Total interior livable area: 1,600 sqft

Property

Details

Parcel number: 17200004120

Features

Stories: 2
Has view: Yes
View description: Beach,Water
Has water view: Yes
Water view: Water

Lot

Lot size: 5,749 sqft
Features: 0 Up To 1/4 Acre

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

Coastal FloodingVery High
HurricaneRelatively High
Inland FloodingModerate
LightningModerate
TornadoModerate
WildfireModerate
TsunamiInsufficient Data

How This Home’s Risks Compare

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

	Monthly	Annual
Mortgage	$3,023	$36,276
Home Insurance *	$340	$4,080
Property Taxes	$896	$10,752
Electricity	$238	$2,859
Total	$4,497	$53,964

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$179,880/yr

35% on housing$154,182/yr

40% on housing$134,910/yr

45% on housing$119,920/yr

Texas FAIR Plan Programs

Texas FAIR Plan Association

Covered

Wildfire

Hail

Wind

Visit Website →

Texas Windstorm Insurance Association

Covered

Hail

Wind

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: 4.3%

4.3%

0%30.0%

Electricity Growth Rate10-year average: 3.8%

3.8%

0%15.0%

Property Taxes Growth Rate2-year average: 0.4%

0.4%

0%15.0%

Income Spent on Housing

30%

30%45%

Comparing Against the Market

Price Per Sq Ft

$374This listing

vs Other Active Listings

Avg $/sqft

ZIP 77541$162

Brazoria County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 77541$176