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4 Shantilly Ln, Bay City, TX, 77414

4beds
3baths
2,880sqft
$325,000
$113price/sqft
$2,718/moest. monthly cost
$108,720/yrincome needed

About This Home

Discover the perfect blend of space, comfort & charm in this exceptional home! Nestled on a tree-filled lot just under an acre. 2880 sq. ft. of well-designed living space. 4 spacious bedrooms, 2.5 baths, & a thoughtfully laid-out floor plan. Kitchen has a large island*cooktop*double oven*breakfast bar*pantry*breakfast nook. The expansive living room boasts a stunning white stone fireplace (recently replaced grey brick in photos), while the adjacent dining area offers vaulted ceilings & stylish wet bar perfect for entertaining! Relax in the generous primary suite, which includes a tiled shower, double vanity, and private water closet. Unwind in the sunroom with a built-in hot tub, providing year-round enjoyment. Patio areas ideal for outdoor gatherings, plus a backyard with enough room for a volleyball match, football game, or soaking in nature’s beauty. Detached two-car garage*attached two-car carport*and a handy storage shed. Recently replaced roof (not shown in photos)

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

--
5/10
4/10
Bay City High SchoolGrades 9-122.5 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Electric Oven,Trash Compactor,Electric Cooktop,Dishwasher
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedroom

  • Level: First
  • Area: 143
  • Dimensions: 13x11

Bedroom

  • Level: First
  • Area: 156
  • Dimensions: 13x12

Bedroom

  • Level: First
  • Area: 132
  • Dimensions: 12x11

Bedrooms & Bathrooms

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

Features

  • High Ceilings,Wet Bar,All Bedrooms Down,En-Suite Bath,Walk-In Closet(s)
  • Flooring: Carpet,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Ceiling Fan(s),Gas

Interior Area

  • Total structure area: 2,880
  • Total interior livable area: 2,880 sqft

Primary Bedroom

  • Level: First
  • Area: 224
  • Dimensions: 16x14

Property

Details

  • Parcel number: 40365

Features

  • Stories: 1
  • Patio & porch: Covered,Patio/Deck
  • Exterior features: Side Yard
  • Has spa: Yes
  • Spa features: Private
  • Fencing: None

Lot

  • Lot size: 0.97 Acres
  • Features: Back Yard,Cul-De-Sac,Subdivided,1/2 Up to 1 Acre

Parking

  • Total spaces: 4
  • Parking features: Detached,Additional Parking,Workshop in Garage,Attached Carport
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Carport: Yes
  • Carport 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

  • Hurricane
    HurricaneVery High
  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Cold Wave
Heat Wave
Lightning
Tornado
Inland Flooding
Ice Storm
Strong Wind
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 $1,643$19,716
Home Insurance *$321$3,852
Property Taxes $438$5,256
Electricity $316$3,794
Total$2,718$32,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,188/yr
40% on housing$81,540/yr
45% on housing$72,480/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: 1.9%
1.9%
0%30.0%
Electricity Growth Rate10-year average: 3.8%
3.8%
0%15.0%
Property Taxes Growth Rate2-year average: 11.0%
11.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$113This listing

vs Other Active Listings

Avg $/sqft

ZIP 77414$159
Matagorda County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 77414$142
Matagorda County$153

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)

No zestimate history available

Price History

DateEventPrice
2026-08-14Pending sale$295,000
2026-08-14Contingent$295,000
2026-08-08Price change$295,000
2026-06-16Listed for sale$325,000
2025-03-28Pending sale$325,000
2025-03-28Contingent$325,000
2025-03-12Listed for sale$325,000
2024-08-15Listing removed$349,000
2024-08-06Price change$349,000
2024-05-07Listed for sale$375,000
2024-04-03Listing removed--
2023-11-17Price change$350,000
2023-07-25Listed for sale$375,000
2021-03-18Listing removed--
2021-01-27Pending sale$269,500
2020-11-30Price change$269,500
2020-06-06Listed for sale$279,500

For Sale by Agent

AgentKacy Bain
BrokerageRE/MAX Professionals

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