Homes for Sale/Galveston County/Galveston/Palm Beach
Active MLS #21869851 · 48 days on market

4115 Surf Drive

Galveston, TX 77554
Subdivision  ·  Palm Beach
List Price
$319,000
$400/SF
Beds
2
Baths
1
Sq Ft
798
Built
1960
Lot
4,400 sf
Garage
0-car
County
Galveston
Tax Rate
1.68%

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

Welcome to 4115 Surf Drive. This cozy 2 bed, 1 bath, light-and-bright beach view cottage is beautifully renovated and truly move-in ready including all appliances, linens, furniture, beach toys/umbrellas, and more. A short walk to the end of the street and you are walking on the beautiful sandy beach. Located between Pleasure Pier and Jamaica Beach, and all the amazing fresh seafood restaurants, this getaway is close enough to enjoy either location yet far enough away from the noise and nightlife. The seller has added all new crushed granite under the stilts to give you a great spot to BBQ and hang out plus there is a new outdoor shower so you can hose off after a day at the beach. Sit on the balcony and you can see and hear the peaceful ocean waves. A perfect family vacation home or a smart business investment for short- term rentals when you are away.

Features

§ 02

Interior

  • All Bedrooms Down
  • Window Treatments
  • Ceiling Fans
  • Dishwasher
  • Electric Oven
  • Electric Range
  • Microwave
  • Tile
  • Vinyl
  • Wood
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air
  • Cool: Electric
  • Washer Hookup
  • Electric Dryer Hookup

Exterior & lot

  • Deck
  • Porch
  • Patio
  • Cleared
  • Subdivision
  • Views
  • None
  • Roof: Composition

Community

  • Beach
  • Gulf
  • Water
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 1960
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 798 sq ft
Living Area Source Appraiser
Building Area Total 798 sq ft
Construction Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 2
Bathrooms (total) 1
Bathrooms Full 1
Bathrooms Half 0
Rooms Total 6
Fireplaces 1
Fireplace Features Electric

Interior

Interior Features All Bedrooms Down, Window Treatments, Ceiling Fans
Flooring Tile, Vinyl, Wood
Appliances Dishwasher, Electric Oven, Electric Range, Microwave
Laundry Washer Hookup, Electric Dryer Hookup
Windows Window Coverings

Exterior

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

Parking & Garage

Garage Spaces 0

Lot

Lot Size (sq ft) 4,400
Lot Size (acres) 0.1010
Lot Size Source Appraiser
Lot Features Cleared, Subdivision, Views

Location

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

Utilities

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

Taxes, Terms & Disclosures

Tax Annual Amount $5,347
Tax Year 2023
Tax Rate (est.) 1.68%
Parcel # 5560-0003-0105-001
Legal Description ABST 121 PAGE 41 & 46 N 1/2 OF LOT 105 (105-1) BLK 3 PALM BE
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 6 rooms · MLS-supplied

Main level · 6

Living Room 14x14
Kitchen 14x8
Bedroom 13x8
Bedroom 8x7
Sunroom 14x10
Utility Room

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
$2,361
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,915 Property tax$446 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,361

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
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
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
4115 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
Aug 6, 2026 Listed $319,000 Scheri Hait
Dec 31, 1959 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Scheri Hait · RE/MAX Signature
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 23, 2026.
MLS# 21869851 · LIST DATE: Aug 6, 2026 · PARCEL: 5560-0003-0105-001
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