Homes for Sale/Galveston County/Jamaica Beach/Jamaica Beach 31
Active MLS #16449818 · 20 days on market

16610 Tern Road

Jamaica Beach, TX 77554
Subdivision  ·  Jamaica Beach 31
List Price
$590,000
$439/SF · 5.6% above neighborhood median
Beds
3
Baths
3
Sq Ft
1,344
Built
1984
Lot
0.11 ac
Garage
3-car
County
Galveston
Tax Rate
1.64%

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

Just off the main canal with quick access to the bay, this 3-bed/ 2.5-bath waterfront home puts you exactly where you want to be! Spend your days fishing, boating and cruising the bay, then head home, grab a drink and settle in for some seriously incredible sunsets over the water. This is the waterfront lifestyle people come here for, where you can hop in the boat whenever the water is calling and enjoy life at a little slower pace. There’s plenty of space to gather, entertain and enjoy time with family and friends, plus a HUGE garage with just over 1,000 sq ft of space for all the extras that come with life on the water. Whether this becomes your full-time home or favorite weekend getaway, it’s an easy place to enjoy. And while it has never been used as a vacation rental, it could easily make a great one. Great water access, beautiful sunsets and a location that makes getting out to the bay a breeze. This one is all about living the good life!

Features

§ 02

Interior

  • En Suite Bathroom
  • Granite Counters
  • Kitchen Family Room Combo
  • Main Level Primary
  • Ceiling Fans
  • Kitchen Dining Combo
  • Programmable Thermostat
  • Dishwasher
  • Electric Oven
  • Free Standing Range
  • Disposal
  • Microwave
  • Dryer
  • Refrigerator
  • Washer
  • Tile
  • Wood
  • Heat: Central

Exterior & lot

  • Covered Patio
  • Deck
  • Fence
  • Patio
  • Views
  • Waterfront
  • Side Yard
  • Partial
  • Covered
  • Roof: Composition
  • Additional Parking
  • Boat
  • Driveway
  • Garage
  • Golf Cart Garage
  • Garage Door Opener
  • Oversized
  • Association

Community

  • Beach Rights
  • Basketball Court
  • Beach Access
  • Marina
  • Picnic Area
  • Playground
  • Park
  • Pool
  • Bay
  • Canal
  • Water
  • Style: Other

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Other
Year Built 1984
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 1,344 sq ft
Living Area Source Appraiser
Building Area Total 1,344 sq ft
Construction Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 3
Bathrooms Full 2
Bathrooms Half 1
Rooms Total 8

Interior

Interior Features En Suite Bathroom, Granite Counters, Kitchen Family Room Combo, Main Level Primary, Ceiling Fans, Kitchen Dining Combo, Programmable Thermostat
Flooring Tile, Wood
Appliances Dishwasher, Electric Oven, Free Standing Range, Disposal, Microwave, Dryer, Refrigerator, Washer
Laundry Washer Hookup, Electric Dryer Hookup

Exterior

Exterior Features Covered Patio, Deck, Fence, Patio
Patio / Porch Covered, Deck, Patio
Fencing Partial
Pool Private No
Pool Features Association
Waterfront Yes
Waterfront Features Boat Dock Slip, Bulkhead, Boat Ramp Lift Access, Canal Front, Waterfront
View Yes
View Type Bay, Canal, Water

Parking & Garage

Garage Spaces 3
Parking Features Additional Parking, Boat, Driveway, Garage, Golf Cart Garage, Garage Door Opener, Oversized

Lot

Lot Size (acres) 0.1087
Lot Size Source Appraiser
Lot Features Views, Waterfront, Side Yard

Location

County Galveston
MLS Area Major 33
MLS Area Minor West End
Subdivision Jamaica Beach 31
Postal Code 77554

Utilities

Heating Central, Electric
Cooling Central Air, Electric
Water Source Public
Sewer Public Sewer
Energy Efficient Exposure Shade, Thermostat

HOA / Association

HOA Yes
HOA Fee $45
HOA Fee Frequency Annually
HOA Name JBIC
Amenities Beach Rights, Basketball Court, Beach Access, Marina, Picnic Area, Playground, Park, Pool

Taxes, Terms & Disclosures

Tax Annual Amount $9,674
Tax Year 2025
Tax Rate (est.) 1.64%
Parcel # 4219-0000-0020-000
Legal Description ABST 121 HALL & JONES SUR LOT 20 JAMAICA BEACH SEC 31
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 8

Living Room TBV
Kitchen TBV
Bedroom TBV
Bedroom TBV
Bathroom TBV
Primary Bedroom TBV
Primary Bathroom TBV
Half Bath TBV

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
$4,349
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$3,543 Property tax$806 Homeowners insuranceTBD
Subtotal (P&I + Tax) $4,349
Yearly HOA fee $45

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
1.4339%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
0.84%
→ stable
City
→ stable
County
0.32%
→ stable
Other districts
0.27%
→ stable

HOA & Community

§ 05
● HOA details
$45
ANNUALLY
Association nameJBIC Management co. Website Phone Cert on filepending
● Community amenities
No curated amenity map yet for this subdivision.

Broadband & Connectivity

§ 06
Broadband not mappedWe have not yet resolved FCC provider data for this block.

Environmental Risk

§ 08
A
FEMA Zone
Zone AE · Special Flood Hazard Area
1% annual chance of flooding (100-year floodplain). Flood insurance typically required.
PANEL 48167C BASE FLOOD ELEV. 11.0 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
5 comparable sales nearby · sold median $416/SFAddress-level sold detail is available to registered users. Reach out to Allen for the full comparable-sales report.

Subdivision & Master Plan

§ 10
● Master plan
JAMAICA BEACH 31
TIER: SUBDIVISION
Subdivision name (MLS)JAMAICA BEACH 31 City · ZIPJamaica Beach · 77554 CountyGalveston Listings in subdivision8 Active now1 Sold (last 12 mo)0 Curated amenities0
● Year-built distribution
1980s 1

Fire Protection

§ 11
Nearest station
Jamaica Beach Volunteer Fire Department
· Jamaica Beach
Distance
1.4 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48167726101 · ACS 2023
Median HH income
$117,826
ACS 2023
Median home value
$364,100
Census self-report
Owner-occupied
32%
2,970 housing units
Bachelor's+
57%
Adults 25+
Median age
61.6
Population 1,809
Work from home
73%
of commuters
Commute 45min+
22%
of commuters
Below poverty
3.6%
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
16610 Tern Road, Jamaica Beach, TX 77554
Galveston County · 29.20°N, 94.99°W
No curated amenities within 2 mi yet.
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Sep 3, 2026 Listed $590,000 Jessica Dillard
Dec 31, 1983 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Jessica Dillard · Save 1900 Realty, 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 Sep 21, 2026.
MLS# 16449818 · LIST DATE: Sep 3, 2026 · PARCEL: 4219-0000-0020-000
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 23, 2026, 11:00 PM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity