Homes for Sale/Brazoria County/Surfside Beach/Francis Cove
Active MLS #20292875 · 168 days on market

203 Francis Cove

Surfside Beach, TX 77541
Subdivision  ·  Francis Cove
List Price
$438,000
$365/SF · 13.7% above neighborhood median
Beds
2
Baths
2
Sq Ft
1,201
Built
2002
Lot
0.54 ac
Garage
1-car
County
Brazoria
Tax Rate
0.97%

Schools

§ 03
District
Elementary FREEPORT EL C
Middle O'HARA LANIER MIDDLE N/R
High BRAZOSPORT H S CCMR 78% · Grad 93% B
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

Experience resort-style coastal living in this custom-built 2-bedroom,1.5-bath home in the heart of Surfside Beach. Offering over 1,200 sq ft this retreat blends luxury finishes with durable, storm-ready construction—perfect for full-time living or vacation getaway. Inside is an open layout with cherry-finish cabinets, granite counters & space-saving pull-outs. Plantation shutters, hardwood & tile flooring plus cedar-lined closets add character. Each window is equipped with storm shutters, giving you peace of mind. Upstairs bonus area provides endless possibilities—use it as an office, guest room, or second living space. A built-in wine cooler adds a touch of fun. Enjoy a large deck with lakefront views & views of the Gulf, perfect for relaxing morning or evening. An enclosed outdoor shower adds to the beach-house experience, while the extra-large parking pad offers room for vehicles, boats, or guests. Ext. features stainless hardware, copper trim, Hardi siding, & new roof in 2024.

Features

§ 02

Interior

  • Crown Molding
  • Kitchen Family Room Combo
  • Main Level Primary
  • Pots And Pan Drawers
  • Self Closing Cabinet Doors
  • Ceiling Fans
  • Gas Oven
  • Gas Range
  • Microwave
  • Oven
  • Wine Refrigerator
  • Tile
  • Wood
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air
  • Cool: Electric
  • Electric Dryer Hookup

Exterior & lot

  • Deck
  • Patio
  • Private Yard
  • Waterfront
  • Side Yard
  • Roof: Composition
  • Additional Parking
  • Attached
  • Driveway
  • Garage
  • Garage Door Opener

Community

  • Smoke Detectors
  • Gulf
  • Style: Other

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Other
Year Built 2002
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 1,201 sq ft
Living Area Source Appraiser
Building Area Total 1,201 sq ft
Construction Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 2
Bedrooms Possible 3
Bathrooms (total) 2
Bathrooms Full 1
Bathrooms Half 1
Rooms Total 6

Interior

Interior Features Crown Molding, Kitchen Family Room Combo, Main Level Primary, Pots And Pan Drawers, Self Closing Cabinet Doors, Ceiling Fans
Flooring Tile, Wood
Appliances Gas Oven, Gas Range, Microwave, Oven, Wine Refrigerator
Laundry Electric Dryer Hookup
Security Smoke Detectors
Indoor Air Quality Ventilation

Exterior

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

Parking & Garage

Garage Spaces 1
Attached Garage Yes
Parking Features Additional Parking, Attached, Driveway, Garage, Garage Door Opener

Lot

Lot Size (acres) 0.5395
Lot Size Source Appraiser
Lot Features Waterfront, Side Yard

Location

County Brazoria
MLS Area Major 5
MLS Area Minor Surfside
Subdivision Francis Cove
Road Surface Asphalt
Postal Code 77541

Utilities

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

Taxes, Terms & Disclosures

Tax Annual Amount $4,232
Tax Year 2025
Tax Rate (est.) 0.97%
Parcel # 4185-0010-000
Legal Description FRANCIS COVE (A0051 F J CALVIT DIV 2 (B C I C)(SURFSIDE) BLK
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 6 rooms · MLS-supplied

Second level · 5

Bedroom 14x11
Bedroom 10x12
Primary Bathroom 6x12
Kitchen 9x10
Living Room 18x16

Third level · 1

Bonus Room 23x14

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 Velasco Drainage District Match confidence

Taxes & Cost of Ownership

§ 04
● Estimated monthly payment
$2,983
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,630 Property tax$353 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,983

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
1.8529%
ALL 6 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
→ stable
City
→ stable
County
0.26%
→ stable
Other districts
1.59%
→ stable

HOA & Community

§ 05
No HOA on recordIf this is an HOA property, details are not yet loaded. Full cert available on request.

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
Rise Broadband
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
+ 1 additional provider(s)

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 48039C BASE FLOOD ELEV. 14.0 FT SFHA YES SOURCE 48039C_STUDY2
🌡 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 41 · Good
Average daily AQI for the 30 days ending 2026-02-28. EPA AQS county monitors. Higher = worse.
🌵 Drought (current)
No drought (D1 or worse)
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
8 comparable sales nearby · sold median $321/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
Francis Cove
TIER: SUBDIVISION
Subdivision name (MLS)Francis Cove City · ZIPSurfside Beach · 77541 CountyBrazoria Listings in subdivision16 Active now2 Sold (last 12 mo)0 Curated amenities0
● Year-built distribution
2000s 1

Fire Protection

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

Neighborhood Demographics

§ 12 · Census tract 48039664200 · ACS 2023
Median HH income
$70,417
ACS 2023
Median home value
$260,400
Census self-report
Owner-occupied
38%
2,398 housing units
Bachelor's+
22%
Adults 25+
Median age
56.0
Population 2,048
Work from home
5%
of commuters
Commute 45min+
15%
of commuters
Below poverty
14.3%
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
203 Francis Cove, Surfside Beach, TX 77541
Brazoria County · 28.95°N, 95.28°W
No curated amenities within 2 mi yet.
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Apr 9, 2026 Listed $438,000 Monica Darr
Dec 31, 2001 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Monica Darr · American Realty
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 Aug 22, 2026.
MLS# 20292875 · LIST DATE: Apr 9, 2026 · PARCEL: 4185-0010-000
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, 2:49 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity