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21194 Vista Dr, Harlingen, TX, 78550

5beds
5baths
4,178sqft
$680,000
$163price/sqft
$5,295/moest. monthly cost
$211,800/yrincome needed

About This Home

Nestled on 1.33 acres within a gated community, this spacious 4,178 square foot home offers room to spread out both inside and out. Designed for comfortable everyday living and easy entertaining, the home features 5 generously sized bedrooms, 4 full bathrooms, and 1 half bath, providing plenty of space for family and guests. Entire home was recently renovated with a new roof, updates to the kitchen and to all bathrooms. The newly remodeled kitchen adds a fresh, updated feel to the heart of the home and features Taj Mahal countertops. The 3 car garage offers ample parking and storage. Outside, the expansive grounds provide endless possibilities for outdoor living, recreation, and relaxation. This home also includes a backup generator for valuable peace of mind and security. With its large footprint, generous lot size, and secure setting, this property delivers the space and flexibility to fit a variety of lifestyles.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

8/10
Dishman Elementary SchoolGrades PK-51.6 mi
8/10
Gutierrez Middle SchoolGrades 6-83.3 mi
4/10
Harlingen High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2005

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Convection Oven,Double Oven,Wine Cooler,Electric Water Heater

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Office/Study
  • Window features: Double Pane Windows
  • Flooring: Tile

Heating

  • Heating features: Central

Interior Area

  • Total structure area: 4,178
  • Total interior livable area: 4,178 sqft

Master Bedroom

  • Features: Split Bedrooms

Property

Details

  • Parcel number: 9871720010008000

Features

  • Levels: Two
  • Pool features: None
  • Fencing: None

Lot

  • Lot size: 1.33 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage,Attached,Garage Faces Side
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    HurricaneRelatively High
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Drought
Heat Wave
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 $3,438$41,256
Home Insurance *$634$7,608
Property Taxes $765$9,180
Electricity $458$5,505
Total$5,295$63,540
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,542/yr
40% on housing$158,850/yr
45% on housing$141,200/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 78550$102
Cameron County$150

vs Homes Sold Last Month

Median $/sqft

ZIP 78550$140
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
2026-07-25Listed for sale$680,000

For Sale by Agent

AgentMichael Chavez
BrokerageBalboa Realty

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