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

This serene property offers a tranquil retreat with stunning natural surroundings ready to build your dream home. This 8,700sft lot in Pirate's Beach is waiting on you. The lot is ideal for building your dream home, and you'll enjoy easy access to electricity and water services. Perfect for fishing enthusiasts, providing ample opportunities to cast your line and relax by the water. Additionally, it's conveniently close to Galveston West Bay, with boat access available through nearby Waterman's Marina, enhancing your coastal lifestyle. The property is situated on a quiet street, ensuring peace and privacy. Don't miss the chance to own a piece of paradise in this unique location on Galveston Island.

Features

§ 02

Interior

Not provided

Exterior & lot

Subdivision
Views

Community

Beach
Water

Property Details

§ 03 · Full MLS record

Property

Property Type

Land

Rooms & Baths

Bathrooms (total)

0

Exterior

View	Yes
View Type	Beach, Water

Lot

Lot Size (acres)	0.1999
Lot Size Source	Appraiser
Lot Features	Subdivision, Views

Location

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

Utilities

Water Source

Public

HOA / Association

HOA	Yes
HOA Fee	$400
HOA Fee Frequency	Annually
HOA Name	Pirates Property Owners Ass

Taxes, Terms & Disclosures

Tax Annual Amount	$1,378
Tax Year	2023
Tax Rate (est.)	0.59%
Parcel #	5863-0003-0036-000
Legal Description	LOT 36 BLK 3 PIRATES BEACH SEC 10
Disclosures	None

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

$1,526

30-YR FIXED · ADJUST ASSUMPTIONS BELOW

Interest rate

%

Down payment

%

Principal & interest$1,411 Property tax$115 Homeowners insuranceTBD

Subtotal (P&I + Tax) $1,526

Yearly HOA fee $400

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

$400

ANNUALLY

Association namePirates Property Owners Ass Management co.— Website— Phone— Cert on filepending

● Community amenities

grocery

Fresco Mart General Store & Deli · 0.3mi
Circle K · 2.8mi
Valero · 2.8mi

place_of_worship

West Isle Church · 0.5mi
West Isle Presbyterian Church · 0.5mi
Mary, Star of the Sea Church · 2.7mi

restaurant

Waterman's Restaurant · 0.7mi
Cooper's Landing · 4.4mi
Seahorse Grill · 5.0mi

park

Sea Shell Beach Pocket Park 3 · 0.8mi
Galveston Island State Park · 1.7mi
Jamaica Beach Park · 2.9mi

bank

ATM (ATM Link, Inc.) · 2.6mi
Circle K ATM · 2.8mi
ATM · 3.5mi

police_station

Jamaica Beach Police · 2.7mi
Galveston Police Department · 9.0mi
Galveston County Sheriff's Office · 9.0mi

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

5 comparable sales nearby · sold median $325/SFAddress-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

TIER: SUBDIVISION

Subdivision name (MLS)Pirates Beach City · ZIPGalveston · 77554 CountyGalveston Listings in subdivision327 Active now21 Sold (last 12 mo)7 Curated amenities53

● Year-built distribution

1970s 1 1975s 1 1980s 3 1985s 2 1990s 2 2000s 4 2005s 2 2010s 1 2015s 2

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

4118 Silver Reef, Galveston, TX 77554

Galveston County · 29.20°N, 94.95°W

grocery

Fresco Mart General Store & Deli

0.3 mi · 1 within 2 mi

place_of_worship

West Isle Church

0.5 mi · 2 within 2 mi

restaurant

Waterman's Restaurant

0.7 mi · 1 within 2 mi

park

Sea Shell Beach Pocket Park 3

0.8 mi · 2 within 2 mi

Interactive map coming in v0.2 — currently showing schematic placement.