Homes for Sale/Galveston County/Galveston/Pirates Beach Sec 10 91
Active MLS #89768935 · 134 days on market

4106 Silver Reef

Galveston, TX 77554
Subdivision  ·  Pirates Beach Sec 10 91
List Price
$1.02M
$379/SF
Beds
4
Baths
4
Sq Ft
2,692
Built
2015
Lot
0.20 ac
Garage
1-car
County
Galveston
Tax Rate
1.76%

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

COASTAL RETREAT WITH RESORT-STYLE POOL & SPA IN PIRATES BEACH WEST. This beautifully designed 4-bedroom, 3.5-bath home comes fully furnished and is ideal as a primary residence, second home, or high-performing vacation rental with several years of proven rental history. The chef’s kitchen features floor-to-ceiling cabinetry, quartz countertops, stainless appliances, gas cooktop, island seating and a built-in ice machine perfect for entertaining. Gorgeous wood floors flow throughout and the first-floor primary suite offers a private balcony, plus a spa-inspired bath with walk-in shower and jetted tub. Upstairs includes three additional bedrooms and two full baths, including a built-in bunk room. Enjoy a fully fenced backyard with a heated pool and spa featuring wraparound bench seating. High-impact storm windows and doors and two on-demand water heaters add peace of mind. Just moments from beach access in one of Galveston’s most desirable beachside communities.

Features

§ 02

Interior

  • Built In Bunk Beds
  • Crown Molding
  • Double Vanity
  • High Ceilings
  • Quartz Counters
  • Self Closing Cabinet Doors
  • Self Closing Drawers
  • Soaking Tub
  • Separate Shower
  • Walk In Closets
  • Dishwasher
  • Disposal
  • Gas Oven
  • Gas Range
  • Microwave
  • Dryer
  • Refrigerator
  • Washer

Exterior & lot

  • Balcony
  • Deck
  • Fence
  • Sprinkler Irrigation
  • Porch
  • Patio
  • Private Yard
  • Subdivision
  • Views
  • Back Yard
  • Roof: Composition
  • Attached
  • Electric Vehicle Charging Stations
  • Garage
  • Gunite
  • Heated
  • In Ground
  • Pool Spa Combo

Community

  • Beach Rights
  • Beach Access
  • Smoke Detectors
  • Water
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2015
Year Built Source PublicRecords
New Construction No

Building

Stories 2
Levels Two
Living Area 2,692 sq ft
Living Area Source Appraiser
Building Area Total 2,692 sq ft
Construction Cement Siding, Wood Siding
Roof Composition

Rooms & Baths

Bedrooms 4
Bedrooms Possible 4
Bathrooms (total) 4
Bathrooms Full 3
Bathrooms Half 1
Rooms Total 5
Fireplaces 1
Fireplace Features Gas Log

Interior

Interior Features Built In Bunk Beds, Crown Molding, Double Vanity, High Ceilings, Quartz Counters, Self Closing Cabinet Doors, Self Closing Drawers, Soaking Tub, Separate Shower, Walk In Closets
Flooring Tile, Wood
Appliances Dishwasher, Disposal, Gas Oven, Gas Range, Microwave, Dryer, Refrigerator, Washer
Laundry Washer Hookup, Electric Dryer Hookup
Security Smoke Detectors

Exterior

Exterior Features Balcony, Deck, Fence, Sprinkler Irrigation, Porch, Patio, Private Yard
Patio / Porch Balcony, Deck, Patio, Porch
Fencing Back Yard
Pool Private Yes
Pool Features Gunite, Heated, In Ground, Pool Spa Combo
Waterfront Features Beach Front
View Yes
View Type Water

Parking & Garage

Garage Spaces 1
Attached Garage Yes
Parking Features Attached, Electric Vehicle Charging Stations, Garage

Lot

Lot Size (acres) 0.2032
Lot Size Source Appraiser
Lot Features Subdivision, Views
Direction Faces East

Location

County Galveston
MLS Area Major 33
MLS Area Minor West End
Subdivision Pirates Beach Sec 10 91
Road Surface Concrete
Postal Code 77554

Utilities

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

HOA / Association

HOA Yes
HOA Fee $389
HOA Fee Frequency Annually
HOA Name CKM
Fee Includes Common Areas
Amenities Beach Rights, Beach Access

Taxes, Terms & Disclosures

Tax Annual Amount $17,941
Tax Year 2025
Tax Rate (est.) 1.76%
Parcel # 5863-0003-0039-000
Legal Description ABST 121 PAGE 41 LOT 39 BLK 3 PIRATES BEACH SEC 10
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 5 rooms · MLS-supplied

Main level · 2

Primary Bedroom 12 x 18
Living Room 16 x 13

Second level · 3

Bedroom 14 x 21
Bedroom 13 x 17
Bedroom 13 x 11

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
$7,614
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$6,119 Property tax$1,495 Homeowners insuranceTBD
Subtotal (P&I + Tax) $7,614
Yearly HOA fee $389

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
$389
ANNUALLY
Association nameCKM Management co. Website Phone Cert on filepending
Fee includes
CommonAreas
● Community amenities
restaurant
Waterman's Restaurant · 0.6mi
Cooper's Landing · 5.0mi
Seahorse Grill · 5.7mi
grocery
Fresco Mart General Store & Deli · 0.8mi
Circle K · 2.2mi
Valero · 2.2mi
place_of_worship
West Isle Church · 1.0mi
West Isle Presbyterian Church · 1.0mi
Mary, Star of the Sea Church · 2.1mi
park
Galveston Island State Park · 1.1mi
Sea Shell Beach Pocket Park 3 · 1.4mi
Jamaica Beach Park · 2.2mi
bank
ATM (ATM Link, Inc.) · 2.0mi
Circle K ATM · 2.2mi
ATM · 2.9mi
police_station
Jamaica Beach Police · 2.1mi
Galveston Police Department · 9.6mi
Galveston County Sheriff's Office · 9.6mi

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. 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
Pirates Beach Sec 10 91
TIER: SUBDIVISION
Subdivision name (MLS)Pirates Beach Sec 10 91 City · ZIPGalveston · 77554 CountyGalveston Listings in subdivision51 Active now3 Sold (last 12 mo)2 Curated amenities53
● Year-built distribution
1990s 1 1995s 1 2015s 1

Fire Protection

§ 11
Nearest station
Galveston Fire Department Station 7
Distance
0.8 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
4106 Silver Reef, Galveston, TX 77554
Galveston County · 29.20°N, 94.95°W
restaurant
Waterman's Restaurant
0.6 mi · 1 within 2 mi
grocery
Fresco Mart General Store & Deli
0.8 mi · 1 within 2 mi
place_of_worship
West Isle Church
1.0 mi · 2 within 2 mi
park
Galveston Island State Park
1.1 mi · 2 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
May 12, 2026 Listed $1.02M Ashley Marquez
Dec 31, 2014 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Ashley Marquez · Keller Williams Horizons
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 13, 2026.
MLS# 89768935 · LIST DATE: May 12, 2026 · PARCEL: 5863-0003-0039-000
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