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31 Ocelot Trail Rd, Laguna Vista, TX, 78578

4beds
3baths
2,800sqft
$638,900
$228price/sqft
$4,663/moest. monthly cost
$186,520/yrincome needed

About This Home

Breathtaking lakefront retreat in The Estates at the SPI Golf Community that buyers won't want to miss! This beautifully remodeled home offers an open, spacious floor plan with easy-care flooring and stunning water views throughout. Enjoy your private heated pool and spa, expanded pergola, extended patio, all-season room, and covered outdoor living—perfect for relaxing or entertaining. The chef's kitchen features custom cabinetry, a show-stopping 14x5 ft island with additional storage, and newer appliances. Interior highlights include plantation shutters, custom blinds, recessed lighting, a large pantry, a feature wall, and a beautifully updated guest b Major upgrades include a new roof, a tri-fuel whole-home generator, a tankless water heater, an RO system, attic insulation, hurricane shutters, epoxy garage flooring, and HVAC. Minutes to South Padre Island beaches, dining, SpaceX, & LNG. Enjoy golf, pools, gym, tennis, pickleball, and vibrant community events. Exceptional lakefront!

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

6/10
Derry Elementary SchoolGrades PK-55.1 mi
4/10
Port Isabel High SchoolGrades 8-124.0 mi
4/10

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Composition

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • Window features: Shutters

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 7247000030017000
  • Zoning: Res

Features

  • Private pool: Yes
  • Pool features: Outdoor Pool,Heated,Pool-Heated,Pool-Outdoor
  • Patio & porch: Patio,Covered,Enclosed
  • Exterior features: Rain Gutters,Private Yard,Sprinkler System
  • Has spa: Yes
  • Spa features: Heated
  • Fencing: Fenced
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Lake Front

Parking

  • Total spaces: 2
  • Parking features: Double Attached Garage
  • 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
    HurricaneVery High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Coastal Flooding
Hail
Heat Wave
Inland Flooding
Ice Storm
Wildfire
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 $3,230$38,760
Home Insurance *$237$2,844
Property Taxes $889$10,668
Electricity $307$3,689
Total$4,663$55,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,874/yr
40% on housing$139,890/yr
45% on housing$124,346/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

$228This listing

vs Other Active Listings

Avg $/sqft

ZIP 78578$168
Cameron County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 78578$252
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
2026-05-05Listed for sale$638,900
2026-05-05Listing removed$639,900
2026-04-29Price change$639,900
2026-01-23Price change$659,000
2025-12-10Listed for sale$672,000
2022-01-20Sold--
2021-12-10Pending sale$529,000
2021-12-05Price change$529,000
2021-11-23Listed for sale$559,000
2013-08-15Sold--
2011-02-21Listing removed$299,900
2010-10-22Price change$299,900
2010-03-13Price change$349,000
2009-09-04Price change$359,000
2009-02-22Listed for sale$379,000

For Sale by Agent

AgentDani Milo
BrokerageSPI Realty

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