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5 Harbor Vw, Laguna Vista, TX, 78578

2beds
3baths
1,363sqft
$305,000
$224price/sqft
$2,370/moest. monthly cost
$94,800/yrincome needed

About This Home

Turn-key, fully furnished waterfront townhome. Located in the desirable SPI Golf Community, this move-in-ready home features a private dock and boat lift with direct water access—no marina fees. Enjoy boating, dolphin watching, and world-class fishing right from your backyard. Interior highlights include porcelain plank tile flooring, quartz countertops, and custom cabinetry with a functional, open layout. Each bedroom has its own private bathroom, plus a guest half bath. Privacy shutters add convenience and peace of mind. New roof (2025).Community amenities include heated pools, fitness center, tennis, pickleball, clubhouse, and on-site restaurant. Conveniently located near South Padre Island beaches, dining, shopping, and entertainment. Ideal as a primary residence, second home, or investment property. Rare waterfront opportunity—one of a kind and priced to sell.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Derry Elementary SchoolGrades PK-55.0 mi
4/10
Port Isabel High SchoolGrades 8-123.9 mi
4/10

Construction

Condition

  • Year built: 2004

Materials

  • Roof: Composition

Type & Style

  • Home type: Townhouse
  • Architectural style: Golf Course-Harbor
  • Property subType: Townhouse

Interior

Bedrooms & Bathrooms

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

Features

  • Window features: Shutters

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,363
  • Total interior livable area: 1,363 sqft

Property

Details

  • Parcel number: 7246120060005000
  • Zoning: Res

Features

  • Pool features: Pool-Heated,Pool-Outdoor
  • Exterior features: Balcony,Fishing Dock/Pier,Boat Lift
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront,Channel Frontage

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $1,542$18,504
Home Insurance *$113$1,356
Property Taxes $477$5,724
Electricity $238$2,859
Total$2,370$28,440
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,257/yr
40% on housing$71,100/yr
45% on housing$63,200/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

$224This listing

vs Other Active Listings

Avg $/sqft

ZIP 78578$169
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
2026-02-18Listed for sale$305,000
2026-02-11Contingent$305,000
2026-01-19Listed for sale$305,000
2026-01-16Contingent$305,000
2026-01-01Listed for sale$305,000
2026-01-01Listing removed$319,000
2025-10-09Price change$319,000
2025-05-14Listed for sale$325,000
2021-08-09Sold--
2021-07-26Pending sale$289,000
2021-07-18Listed for sale$289,000
2015-03-27Listing removed$189,900
2014-12-17Price change$189,900
2014-10-17Price change$179,500
2014-04-26Price change$188,900
2014-04-14Listed for sale$188,000
2013-07-22Sold--
2013-04-07Listed for sale$178,500

For Sale by Agent

AgentDani Milo
BrokerageSPI Realty

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