Homes for Sale/Galveston County/Galveston/Palm Beach
Active MLS #10947676 · 228 days on market

4028 Surf Drive

Galveston, TX 77554
Subdivision  ·  Palm Beach
List Price
$519,000
$394/SF
Beds
3
Baths
3
Sq Ft
1,316
Built
2023
Lot
0.09 ac
Garage
0-car
County
Galveston
Tax Rate
1.58%

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

Stunning beachside retreat with upscale finishes just steps away from the ocean. This home boasts a spacious sitting area, open living room, and kitchen with high-end details like a beautiful backsplash, silestone countertops, and gold fixtures. Featuring 3 bedrooms, 2 1/2 bathrooms, and a large laundry room, there's room for everyone to relax comfortably. Ideal for both family gatherings and attracting selective vacationers. Enjoy the beach and all that Galveston has to offer, while unwinding in this meticulously designed coastal haven.

Features

§ 02

Interior

  • Dishwasher
  • Electric Oven
  • Electric Range
  • Disposal
  • Microwave
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air
  • Cool: Electric
  • Electric Dryer Hookup

Exterior & lot

  • Subdivision
  • Roof: Composition
  • Driveway

Community

  • 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 1
Levels One
Living Area 1,316 sq ft
Living Area Source Appraiser
Building Area Total 1,316 sq ft
Construction Cement Siding
Roof Composition

Rooms & Baths

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

Interior

Appliances Dishwasher, Electric Oven, Electric Range, Disposal, Microwave
Laundry Electric Dryer Hookup

Exterior

Pool Private No

Parking & Garage

Garage Spaces 0
Parking Features Driveway

Lot

Lot Size (acres) 0.0918
Lot Size Source Appraiser
Lot Features Subdivision

Location

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

Utilities

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

Taxes, Terms & Disclosures

Tax Annual Amount $8,183
Tax Year 2024
Tax Rate (est.) 1.58%
Parcel # 5560-0003-0061-002
Legal Description ABST 121 PAGE 41 S 1/2 OF LOT 61 (61-2) BLK 3 PALM BEACH
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 8

Living Room 12x16
Kitchen 12x16
Primary Bedroom 12x12
Bedroom 12x12
Bedroom 12x12
Bathroom 12x8
Bathroom 12x5
Bathroom 5x6

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
$3,798
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$3,116 Property tax$682 Homeowners insuranceTBD
Subtotal (P&I + Tax) $3,798

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
ANNUAL
Association name Management co. Website Phone Cert on filepending
● Community amenities
park
· 0.2mi
Sea Shell Beach Pocket Park 3 · 1.1mi
Surfside Jetty Park · 0.2mi
police_station
Surfside Police Department · 0.4mi
Jamaica Beach Police · 2.5mi
Surfside Village Police Department · 4.0mi
grocery
Fresco Mart General Store & Deli · 0.4mi
Circle K · 0.9mi
Circle K · 2.6mi
restaurant
Waterman's Restaurant · 0.4mi
Sharky's Bar and Grill · 0.9mi
Dorado's Dive Club · 1.2mi
place_of_worship
West Isle Church · 0.5mi
St Mary's Star Of The Sea Church · 4.0mi
West Isle Presbyterian Church · 0.5mi
bank
Circle K ATM · 0.9mi
ATM (ATM Link, Inc.) · 2.4mi
Circle K ATM · 2.6mi

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. 15.0 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
3 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
Palm Beach
TIER: SUBDIVISION
Subdivision name (MLS)Palm Beach City · ZIPGalveston · 77554 CountyGalveston Listings in subdivision434 Active now30 Sold (last 12 mo)11 Curated amenities60
● Year-built distribution
1960s 2 1965s 2 1975s 1 1995s 1 2010s 2 2015s 2 2020s 2 2025s 1

Fire Protection

§ 11
Nearest station
Galveston Fire Department Station 7
Distance
0.6 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
4028 Surf Drive, Galveston, TX 77554
Galveston County · 29.20°N, 94.94°W
park
0.2 mi · 5 within 2 mi
police_station
Surfside Police Department
0.4 mi · 1 within 2 mi
grocery
Fresco Mart General Store & Deli
0.4 mi · 2 within 2 mi
restaurant
Waterman's Restaurant
0.4 mi · 5 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Feb 8, 2026 Listed $519,000 Dalia Groh
Dec 31, 2022 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Dalia Groh · JLA 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 Jul 4, 2026.
MLS# 10947676 · LIST DATE: Feb 8, 2026 · PARCEL: 5560-0003-0061-002
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