Homes for Sale/Galveston County/Galveston/Terramar Beach
Active MLS #64027429 · 36 days on market

23114 Gulf Drive

Galveston, TX 77554
Subdivision  ·  Terramar Beach
List Price
$820,000
$777/SF
Beds
3
Baths
2
Sq Ft
1,056
Built
1978
Lot
6,660 sf
Garage
0-car
County
Galveston

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

Adorable beachfront cottage offering the perfect blend of coastal charm, light-filled spaces, and breathtaking views! This 3-bedroom, 2-bath home welcomes you with windows galore, beautiful shiplap walls and ceilings throughout, and an expansive deck where you can take in the Gulf views from every angle. The fully equipped kitchen opens seamlessly to a spacious living area, creating an inviting space for relaxing and entertaining. The primary bedroom features a private ensuite bath, while the two additional bedrooms capture beautiful views and plenty of natural light. Step outside and put your toes in the sand, enjoy long walks on the beach, and embrace the laid-back coastal lifestyle. The neighborhood also offers a community pool, boat launch, and ramp for added convenience and enjoyment. A true beachfront retreat for a second home or investment! 2026 updates: new roof, flooring, shiplap walls and ceiling, siding and exterior paint.

Features

§ 02

Interior

  • All Bedrooms Down
  • Breakfast Bar
  • Balcony
  • En Suite Bathroom
  • Main Level Primary
  • Ceiling Fans
  • Kitchen Dining Combo
  • Living Dining Room
  • Dishwasher
  • Electric Oven
  • Electric Range
  • Disposal
  • Microwave
  • Refrigerator
  • Laminate
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air

Exterior & lot

  • Deck
  • Patio
  • Subdivision
  • Views
  • Waterfront
  • None
  • Roof: Composition

Community

  • Beach
  • Water
  • Style: Other

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Other
Year Built 1978
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 1,056 sq ft
Living Area Source Appraiser
Building Area Total 1,056 sq ft
Construction Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 2
Bathrooms Full 2
Bathrooms Half 0
Rooms Total 5

Interior

Interior Features All Bedrooms Down, Breakfast Bar, Balcony, En Suite Bathroom, Main Level Primary, Ceiling Fans, Kitchen Dining Combo, Living Dining Room
Flooring Laminate
Appliances Dishwasher, Electric Oven, Electric Range, Disposal, Microwave, Refrigerator
Laundry Washer Hookup, Electric Dryer Hookup

Exterior

Exterior Features Deck, Patio
Patio / Porch Deck, Patio
Fencing None
Pool Private No
Waterfront Yes
Waterfront Features Waterfront
View Yes
View Type Beach, Water

Parking & Garage

Garage Spaces 0
Parking Features None

Lot

Lot Size (sq ft) 6,660
Lot Size Source Appraiser
Lot Features Subdivision, Views, Waterfront

Location

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

Utilities

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

HOA / Association

HOA Yes
HOA Fee $250
HOA Fee Frequency Annually
HOA Name Terramar Beach HOA

Taxes, Terms & Disclosures

Tax Year 2026
Parcel # 7014-0000-0013-000
Legal Description ABST 121 HALL & JONES SUR SEC 13 LOT 13 TERRAMAR BEACH SEC 5
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 5 rooms · MLS-supplied

Main level · 5

Living Room 12x10
Primary Bedroom 14x14
Dining Room 12x10
Bedroom 8x12
Bedroom 12x10

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
$6,082
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$4,924 Property tax$1,158 Homeowners insuranceTBD
Subtotal (P&I + Tax) $6,082
Yearly HOA fee $250

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
$250
ANNUALLY
Association nameTerramar Beach HOA Management co. Website Phone Cert on filepending
● Community amenities
gym
Seek Peace Yoga Galveston · 0.2mi
Seek Peace Yoga Galveston · 0.2mi
Gymaica Fitness · 6.0mi
bank
ATM · 0.6mi
ATM · 0.7mi
ATM · 5.3mi
park
· 3.5mi
· 3.5mi
· 3.6mi
grocery
Seven Seas Market · 5.3mi
Seven Seas Market · 5.4mi
Valero · 6.0mi
police_station
Jamaica Beach Police · 6.2mi
Jamaica Beach Police · 6.2mi
place_of_worship
Mary, Star of the Sea Church · 6.2mi
Mary, Star of the Sea Church · 6.2mi
West Isle Presbyterian Church · 9.1mi

Broadband & Connectivity

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

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
Terramar Beach
TIER: SUBDIVISION
Subdivision name (MLS)Terramar Beach City · ZIPGalveston · 77554 CountyGalveston Listings in subdivision194 Active now7 Sold (last 12 mo)3 Curated amenities40
● Year-built distribution
1975s 1 1980s 1 2005s 1

Fire Protection

§ 11
Nearest station
Galveston Fire Department Station 8
Distance
1.3 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48167726102 · ACS 2023
Median HH income
$82,955
ACS 2023
Median home value
$511,700
Census self-report
Owner-occupied
27%
2,829 housing units
Bachelor's+
51%
Adults 25+
Median age
63.1
Population 1,431
Work from home
4%
of commuters
Commute 45min+
14%
of commuters
Below poverty
3.0%
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
23114 Gulf Drive, Galveston, TX 77554
Galveston County · 29.13°N, 95.06°W
gym
Seek Peace Yoga Galveston
0.2 mi · 2 within 2 mi
bank
ATM
0.6 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 18, 2026 Listed $820,000 Kimberly Gaido
Dec 31, 1977 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 Aug 19, 2026.
MLS# 64027429 · LIST DATE: Aug 18, 2026 · PARCEL: 7014-0000-0013-000
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