See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

1401 Garza St, Harlingen, TX, 78552

3beds
2baths
1,290sqft
$189,000
$147price/sqft
$1,356/moest. monthly cost
$54,240/yrincome needed

About This Home

First time on the market! Situated on a corner lot, this 3-bedroom, 2 bath brick home is ready for a new owner. A spacious living room greets you as you enter and it leads to the dining area and kitchen. The garage was enclosed to make a great bonus/flex room, but it can easily be converted to a garage again. Enjoy the outdoors with a screened-in porch, a roomy covered patio and a spacious fenced backyard. Recent updates include a new roof and water heater in 2025, new interior and exterior paint, new hardware and fixtures, new ceiling fans, new flooring in the bedrooms and solar screens. The house comes equipped with stainless steel appliances and a washer and dryer. You won't be disappointed at all this home has to offer.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

7/10
5/10
Coakley Middle SchoolGrades 6-81.5 mi
5/10

Construction

Condition

  • Year built: 2004

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer,Electric Water Heater

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Window features: Solar Screens
  • Flooring: Carpet,Tile

Heating

  • Heating features: Central,Electric

Interior Area

  • Total structure area: 1,290
  • Total interior livable area: 1,290 sqft

Master Bathroom

  • Features: Tub/Shower Combo

Property

Details

  • Parcel number: 8819250000057000

Features

  • Levels: One
  • Pool features: None
  • Patio & porch: Covered,Screened
  • Fencing: Privacy

Lot

  • Lot size: 6,740 sqft
  • Features: Corner Lot,Curb & Gutter

Parking

  • Total spaces: 1
  • Parking features: Garage,Attached,Garage Faces Front
  • 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 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 $955$11,460
Home Insurance *$132$1,584
Property Taxes $31$372
Electricity $238$2,859
Total$1,356$16,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,491/yr
40% on housing$40,680/yr
45% on housing$36,160/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

$147This listing

vs Other Active Listings

Avg $/sqft

ZIP 78552$122
Cameron County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 78552$163
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
2026-03-16Listed for sale$198,000

For Sale by Agent

AgentRichard Delaunay
BrokerageLANDMARK PROPERTIES

Similar Homes