Homes for Sale/Galveston County/Galveston/Bay Harbor
Active MLS #37901753 · 179 days on market

3920 2nd Street

Galveston, TX 77554
Subdivision  ·  Bay Harbor
List Price
$529,000
$270/SF
Beds
3
Baths
3
Sq Ft
1,960
Built
2023
Lot
0.23 ac
Garage
1-car
County
Galveston
Tax Rate
1.91%

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

Imagine coming home to this stunning island getaway, offering panoramic views of both the beach and the bay. Start your mornings on the private deck just off the primary suite, a perfect spot to enjoy coffee while taking in the serene coastal scenery. This thoughtfully designed home features 3 bdrms and 3 bthrms, including a private primary suite on the second floor, and an additional primary bdrm conveniently located downstairs, ideal for guests or multi-generational living. Step through the front door into a bright, open living space filled with natural light, creating a welcoming and airy atmosphere. The property is also set up for short-term rentals, making it a fantastic investment opportunity. Located walking distance from the beach, there is also easy access to a boat ramp and fishing pier—perfect for embracing the coastal lifestyle. Come tour this pristine property and claim your own piece of tranquility, complete with breathtaking views, on the quiet West End of the island.

Features

§ 02

Interior

  • Breakfast Bar
  • Full Bath On Main Level
  • Multiple Primary Suites
  • Two Bedrooms Down
  • Upper Level Primary
  • Walk In Closets
  • Ceiling Fans
  • Living Dining Room
  • Programmable Thermostat
  • Dishwasher
  • Electric Oven
  • Disposal
  • Microwave
  • Dryer
  • Refrigerator
  • Water Softener Owned
  • Tankless Water Heater
  • Washer

Exterior & lot

  • Covered Patio
  • Deck
  • Paved Driveway
  • Patio
  • Private Yard
  • Views
  • Side Yard
  • Covered
  • Roof: Composition
  • Attached Carport
  • Additional Parking
  • Attached
  • Boat
  • Driveway
  • Garage
  • Rv Access Parking

Community

  • Boat Ramp
  • Bay
  • Beach
  • Water
  • Style: Contemporary Modern

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Contemporary Modern
Year Built 2023
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 1,960 sq ft
Living Area Source Appraiser
Building Area Total 1,960 sq ft
Construction Cement Siding, Other
Roof Composition

Rooms & Baths

Bedrooms 3
Bedrooms Possible 3
Bathrooms (total) 3
Bathrooms Full 3
Bathrooms Half 0
Rooms Total 6

Interior

Interior Features Breakfast Bar, Full Bath On Main Level, Multiple Primary Suites, Two Bedrooms Down, Upper Level Primary, Walk In Closets, Ceiling Fans, Living Dining Room, Programmable Thermostat
Flooring Engineered Hardwood, Plank, Vinyl
Appliances Dishwasher, Electric Oven, Disposal, Microwave, Dryer, Refrigerator, Water Softener Owned, Tankless Water Heater, Washer
Windows Low Emissivity Windows, Storm Windows

Exterior

Exterior Features Covered Patio, Deck, Paved Driveway, Patio, Private Yard
Patio / Porch Covered, Deck, Patio
Pool Private No
View Yes
View Type Bay, Beach, Water

Parking & Garage

Garage Spaces 1
Attached Garage Yes
Carport Spaces 2
Parking Features Attached Carport, Additional Parking, Attached, Boat, Driveway, Garage, Rv Access Parking

Lot

Lot Size (acres) 0.2300
Lot Size Source Appraiser
Lot Features Views, Side Yard
Direction Faces East

Location

County Galveston
MLS Area Major 33
MLS Area Minor West End
Subdivision Bay Harbor
Road Surface Asphalt
Postal Code 77554

Utilities

Heating Central, Electric
Cooling Central Air, Electric
Sewer Aerobic Septic, Septic Tank
Energy Efficient Radiant Attic Barrier, Doors, Hvac, Insulation, Thermostat, Water Heater, Windows

HOA / Association

HOA Fee $200
HOA Fee Frequency Annually
Fee Includes Recreation Facilities
Amenities Boat Ramp

Taxes, Terms & Disclosures

Tax Annual Amount $10,094
Tax Year 2025
Tax Rate (est.) 1.91%
Parcel # 1375-0000-0041-004
Legal Description ABST 121 HALL & JONES SUR SE PT OF LOT 41 (41-4) BAY HARBOR
Listing Terms Cash, Conventional, FHA, Investor Financing, Va Loan
Lease Considered No
Disclosures Other, Seller Disclosure

Room Layout

§ 04 · 6 rooms · MLS-supplied

Main level · 5

Bedroom 10x12
Primary Bedroom 10x12
Living Room 16x18
Kitchen 11x10
Dining Room 7x10

Second level · 1

Primary Bedroom 15x17

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
$4,017
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$3,176 Property tax$841 Homeowners insuranceTBD
Subtotal (P&I + Tax) $4,017
Yearly HOA fee $200

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
$200
ANNUALLY
Association name Management co. Website Phone Cert on filepending
Fee includes
RecreationFacilities
● Community amenities
gym
Seek Peace Yoga Galveston · 0.6mi
Gymaica Fitness · 6.8mi
bank
ATM · 1.3mi
ATM · 6.1mi
Circle K ATM · 6.8mi
park
· 4.2mi
· 4.3mi
San Luis Pass County Park · 4.9mi
grocery
Seven Seas Market · 6.1mi
Valero · 6.8mi
Circle K · 6.8mi
police_station
Jamaica Beach Police · 6.9mi
place_of_worship
Mary, Star of the Sea Church · 6.9mi
West Isle Presbyterian Church · 9.8mi
West Isle Church · 9.8mi

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
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. 13.0 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
2 comparable sales 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
Bay Harbor
TIER: SUBDIVISION
Subdivision name (MLS)Bay Harbor City · ZIPGalveston · 77554 CountyGalveston Listings in subdivision330 Active now35 Sold (last 12 mo)6 Curated amenities20
● Year-built distribution
1950s 1 1955s 1 1960s 2 1970s 7 1995s 1 2000s 2 2020s 4 2025s 2

Fire Protection

§ 11
Nearest station
Galveston Fire Department Station 8
Distance
1.7 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
3920 2nd Street, Galveston, TX 77554
Galveston County · 29.13°N, 95.07°W
gym
Seek Peace Yoga Galveston
0.6 mi · 1 within 2 mi
bank
ATM
1.3 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Mar 29, 2026 Listed $529,000 Monica Foster
Dec 31, 2022 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Monica Foster · eXp 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 5, 2026.
MLS# 37901753 · LIST DATE: Mar 29, 2026 · PARCEL: 1375-0000-0041-004
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, 6:53 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity