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634 E Bernard St, West Columbia, TX, 77486

2beds
1baths
998sqft
$147,775
$148price/sqft
$1,346/moest. monthly cost
$53,840/yrincome needed

About This Home

SMALL TOWN ATMOSPHERE! Charming home available in Brazoria County with convenient access to major highways, making travel a breeze. This home has some really great features including a cozy family room, vinyl flooring, and a lovely front porch area. With two bedrooms, and one bathroom, this property presents a great starter home or investment opportunity. Enjoy the quaint small-town atmosphere while being just a short drive from the water. Despite the serene setting, you’ll still have easy access to the Greater Houston area. Experience the best of both worlds in this delightful location. WE MAKE IT EASY TO OWN. This is a great opportunity! Don't wait, call us today to get more information on the owner's easy terms and smooth process that may be able to put the deed in your name and make this your dream home.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

4/10
Columbia High SchoolGrades 8-120.8 mi

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Other
  • Roof: Other
  • Construction materials: Unknown

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Other
  • Cooling features: Other

Interior Area

  • Total structure area: 998
  • Total interior livable area: 998 sqft

Property

Details

  • Parcel number: 70400051003

Features

  • Stories: 1

Lot

  • Lot size: 6,651 sqft
  • Features: Other,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

  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hurricane
Heat Wave
Lightning
Tornado
Tsunami

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

MonthlyAnnual
Mortgage $747$8,964
Home Insurance *$90$1,080
Property Taxes $271$3,252
Electricity $238$2,859
Total$1,346$16,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$46,148/yr
40% on housing$40,380/yr
45% on housing$35,893/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: 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

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 77486$118
Brazoria County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 77486$162
Brazoria County$160

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
2026-02-19Price change$147,775
2025-04-23Listed for sale$152,775
2024-01-14Listing removed--
2023-12-05Listed for sale$110,000
2021-11-04Sold--
2017-12-14Sold--

For Sale by Agent

AgentChet Polniazek
Brokerage1st Texas Realty Services

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