Homes for Sale/Galveston County/Galveston/Bermuda Beach Unrec Lt 411
Active MLS #85054692 · 231 days on market

13106 Bermuda Beach Drive

Galveston, TX 77554
Subdivision  ·  Bermuda Beach Unrec Lt 411
List Price
$825,000
$502/SF
Beds
3
Baths
3
Sq Ft
1,644
Built
1983
Lot
0.12 ac
Garage
2-car
County
Galveston
Tax Rate
1.51%

Schools

§ 03
District
Elementary GISD OPEN ENROLL N/R
Middle GISD OPEN ENROLL N/R
High BALL H S CCMR 75% · Grad 96% C
TEA accountability ratings reflect 2024–25 where available. School attendance zones are subject to district redistricting — confirm directly with the district before making a school-based decision.

Overview

§ 01

This stunning beachfront home offers the perfect blend of luxury and comfort. With a grand room featuring a wall of windows, you can enjoy breathtaking views of the ocean from every angle. Spend your mornings out on the expansive front deck watching the sunrise and enjoying the southern breezes. The fully equipped kitchen has stainless appliances and breakfast bar. The home has been extensively remodeled, ensuring modern finishes and style throughout. The master suite, located on the second floor, includes a private balcony. The property is well-maintained, making it a turnkey option for anyone seeking a slice of paradise. If you're looking for a vacation retreat or a beach getaway, this home delivers the ultimate beachfront living experience. Don’t miss your chance to own this incredible piece of paradise! Please see remodel information sheet. Remodel work done in 2019 & 2022. Roof 2021. Floors 2025

Features

§ 02

Interior

  • Breakfast Bar
  • Double Vanity
  • Kitchen Family Room Combo
  • Bath In Primary Bedroom
  • Ceiling Fans
  • Living Dining Room
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Disposal
  • Microwave
  • Oven
  • Washer
  • Laminate
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air
  • Cool: Electric

Exterior & lot

  • Deck
  • Porch
  • Patio
  • Views
  • Waterfront
  • Roof: Composition
  • Attached
  • Garage

Community

  • Beach
  • Gulf
  • Water
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 1983
Year Built Source PublicRecords
New Construction No

Building

Levels OneAndOneHalf
Living Area 1,644 sq ft
Living Area Source Appraiser
Building Area Total 1,644 sq ft
Construction Wood Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 3
Bathrooms Full 2
Bathrooms Half 1
Rooms Total 5
Fireplaces 1
Fireplace Features Wood Burning

Interior

Interior Features Breakfast Bar, Double Vanity, Kitchen Family Room Combo, Bath In Primary Bedroom, Ceiling Fans, Living Dining Room
Flooring Laminate
Appliances Dishwasher, Electric Cooktop, Electric Oven, Disposal, Microwave, Oven, Washer
Laundry Washer Hookup, Electric Dryer Hookup

Exterior

Exterior Features Deck, Porch, Patio
Patio / Porch Deck, Patio, Porch
Pool Private No
Waterfront Yes
Waterfront Features Beach Front, Waterfront
View Yes
View Type Beach, Gulf, Water

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (acres) 0.1229
Lot Size Source Appraiser
Lot Features Views, Waterfront

Location

County Galveston
MLS Area Major 33
MLS Area Minor West End
Subdivision Bermuda Beach Unrec Lt 411
Postal Code 77554

Utilities

Heating Central, Electric
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer

HOA / Association

HOA Yes
HOA Fee $295
HOA Fee Frequency Annually
HOA Name Bermuda Beach IC/PMI Galveston Ba

Taxes, Terms & Disclosures

Tax Annual Amount $12,475
Tax Year 2023
Tax Rate (est.) 1.51%
Parcel # 1786-0000-0012-000
Legal Description ABST 121 HALL & JONES SUR LOT 12 BERMUDA BEACH UNRECORDED SU
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 5 rooms · MLS-supplied

Main level · 4

Kitchen 14 X 13
Living Room 14 X 12
Bedroom 11 X 11
Bedroom 15 X 12

Second level · 1

Primary Bedroom 15 X 13

MUD Disclosure (§49.452)

§ 03 · Data moat
● §49.452 Notice
Not in archive
This MUD is not yet in our §49.452 archive. We'll add it on request.

Texas Water Code §49.452 requires districts to publish annual notices with tax rate, bonded indebtedness, and assessed value. Most Harris-area MUDs publish these; a handful managed by Inframark do not.

Request this notice
● What this tells you

The §49.452 notice is the only public document that lists a MUD's exact tax rate, outstanding bond debt, and the assessed value used to compute your taxes — direct from the district, not the MLS. If the district is newer or has more bonds outstanding than its neighbors, your effective tax rate will be higher here than just across the street.

Listing's rolled-up MUD rate Resolved MUD jurisdiction not mapped Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$5,994
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$4,954 Property tax$1,040 Homeowners insuranceTBD
Subtotal (P&I + Tax) $5,994
Yearly HOA fee $295

Illustrative only, not a quote. P&I assumes the values entered above. Insurance and HOA dues vary — consult licensed lender and insurance agent for accurate quote.

● Effective tax rate · 3-year history
1.6952%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
0.84%
→ stable
City
→ stable
County
0.32%
→ stable
Other districts
0.53%
→ stable

HOA & Community

§ 05
● HOA details
$295
ANNUALLY
Association nameBermuda Beach IC/PMI Galveston Ba Management co. Website Phone Cert on filepending
● Community amenities
No curated amenity map yet for this subdivision.

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
5,000 Mbps
Fiber available · cable ok
Top fiber: AT&T
Fiber / DSL
AT&T
Speeds per provider
Cable
Xfinity
Speeds per provider
Fixed Wireless
T-Mobile
Speeds per provider
Fixed Wireless
Verizon
Speeds per provider
Satellite
HughesNet
Speeds per provider
Satellite
Starlink
Speeds per provider
Satellite
Viasat Inc
Speeds per provider

Environmental Risk

§ 08
V
FEMA Zone
Zone VE · Coastal High Hazard
Coastal wave-action hazard zone. Flood insurance required.
PANEL 48167C BASE FLOOD ELEV. 18.0 FT SFHA YES SOURCE 48167C_STUDY1
🌡 Heat days >95°F
6 days/yr above 95°F
Plus 0 days above 100°F. NOAA station records, 2016-2025 average.
💨 30-day air quality
AQI 44 · Good
Average daily AQI for the 30 days ending 2026-02-28. EPA AQS county monitors. Higher = worse.
🌵 Drought (current)
D1 · Moderate
US Drought Monitor county reading, week of 2026-09-15.
Sources: FEMA NFHL · NOAA GHCN-Daily · EPA AQS · US Drought Monitor. Climate rollup last computed Sep 23, 2026.

Recent Comparable Sales

§ 09
1 comparable sale nearbyAddress-level sold detail is available to registered users. Reach out to Allen for the full comparable-sales report.

Subdivision & Master Plan

§ 10
● Master plan
Bermuda Beach Unrec Lt 411
TIER: SUBDIVISION
Subdivision name (MLS)Bermuda Beach Unrec Lt 411 City · ZIPGalveston · 77554 CountyGalveston Listings in subdivision18 Active now4 Sold (last 12 mo)0 Curated amenities0
● Year-built distribution
1980s 1 2000s 1 2020s 1

Fire Protection

§ 11
Nearest station
Galveston Fire Department Station 7
Distance
1.3 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48167726000 · ACS 2023
Median HH income
$125,625
ACS 2023
Median home value
$327,000
Census self-report
Owner-occupied
50%
1,226 housing units
Bachelor's+
43%
Adults 25+
Median age
57.2
Population 1,537
Work from home
39%
of commuters
Commute 45min+
23%
of commuters
Below poverty
4.0%
tract-level

Amenities & Nearby Places

§ 13

Active listing — amenities should populate from the go-live pipeline. Click to fetch now if missing.

Location & Neighborhood

§ 13
● This Home
13106 Bermuda Beach Drive, Galveston, TX 77554
Galveston County · 29.21°N, 94.92°W
No curated amenities within 2 mi yet.
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Feb 5, 2026 Listed $825,000 Kimberly Gaido
Dec 31, 1982 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Kimberly Gaido · Sand N Sea Properties, LLC
Data provided by Houston Realtors Information Service (HAR MLS). Information deemed reliable but not guaranteed. All measurements, square footage, and school assignments should be independently verified. HAR MLS content last updated Jul 29, 2026.
MLS# 85054692 · LIST DATE: Feb 5, 2026 · PARCEL: 1786-0000-0012-000
R
EHO
REALTOR® · Equal Housing Opportunity
HAR.com Copyright © 2026, Houston Realtors Information Service, Inc. Deemed reliable, not guaranteed — independently verify. HARMLS last updated Sep 24, 2026, 4:59 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity