Homes for Sale/Galveston County/Galveston/The Lofts The Texas Bldg Con
Active MLS #53009125 · 65 days on market

415 Kempner Street

Galveston, TX 77550
Subdivision  ·  The Lofts The Texas Bldg Con
List Price
$299,000
$317/SF · 20.2% above neighborhood median
Beds
1
Baths
1
Sq Ft
942
Built
1918
County
Galveston
Tax Rate
1.69%

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 1-bedroom top floor unit in the iconic Texas Building located at 22nd and Post Office is in the heart of downtown Galveston. Perfectly positioned within the Historic District, you'll enjoy an unbeatable walkable lifestyle with art galleries, boutique shopping, coffee houses, award-winning restaurants, and entertainment just steps from your front door. This beautifully designed architectural loft blends historic character with modern comfort, featuring soaring ceilings, exposed beams, wood flooring, custom cabinetry, and expansive windows that fill the home with natural light. The spacious kitchen is thoughtfully appointed with granite countertops, stainless steel appliances, and abundant cabinet storage, making it ideal for both everyday living and entertaining. One of the building's most impressive amenities is the newly completed rooftop deck, where residents can take in breathtaking panoramic views of the downtown area. Available fully furnished. Schedule your showing today!

Features

§ 02

Interior

  • Main Level Primary
  • Dryer
  • Dishwasher
  • Electric Cooktop
  • Electric Oven
  • Microwave
  • Washer
  • Wood
  • Heat: Central
  • Heat: Electric
  • Cool: Central Air
  • Cool: Electric
  • Electric Dryer Hookup

Exterior & lot

  • Deck
  • Rooftop
  • Unassigned

Community

  • Key Card Entry
  • Style: Mid Rise

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Condominium
Architectural Style Mid Rise
Year Built 1918
New Construction No

Building

Living Area 942 sq ft
Living Area Source CondoDocuments
Building Area Total 942 sq ft

Rooms & Baths

Bedrooms 1
Bathrooms (total) 1
Bathrooms Full 1
Bathrooms Half 0
Rooms Total 2

Interior

Interior Features Main Level Primary
Flooring Wood
Appliances Dryer, Dishwasher, Electric Cooktop, Electric Oven, Microwave, Washer
Laundry Electric Dryer Hookup
Security Key Card Entry

Exterior

Patio / Porch Deck, Rooftop
Pool Private No

Parking & Garage

Parking Features Unassigned

Lot

Direction Faces East

Location

County Galveston
MLS Area Major 33
MLS Area Minor Downtown - Galveston/The Strand
Subdivision The Lofts The Texas Bldg Con
Postal Code 77550

Utilities

Heating Central, Electric
Cooling Central Air, Electric

HOA / Association

HOA Fee $816
HOA Fee Frequency Monthly
HOA Name Etheredge Property Management
Fee Includes Maintenance Grounds, Maintenance Structure

Taxes, Terms & Disclosures

Tax Annual Amount $5,054
Tax Year 2025
Tax Rate (est.) 1.69%
Parcel # 4769-0000-0005-400
Legal Description THE LOFTS @ THE TEXAS BLDG CONDOS (2005) ABST 628 UNIT 5D &
Lease Considered No

Room Layout

§ 04 · 2 rooms · MLS-supplied

Main level · 2

Primary Bedroom verify
Bathroom verify

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
$2,216
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$1,795 Property tax$421 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,216
Yearly HOA fee $9,792

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
1.7190%
ALL 6 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
0.84%
→ stable
City
→ stable
County
0.32%
→ stable
Other districts
0.55%
→ stable

HOA & Community

§ 05
● HOA details
$816
MONTHLY
Association nameEtheredge Property Management Management co. Website Phone Cert on filepending
Fee includes
MaintenanceGrounds · MaintenanceStructure
● Community amenities
bank
Frost Bank · 0.0mi
Moody Bank · 0.1mi
Prosperity Bank - Galveston · 0.2mi
restaurant
MOD Coffeehouse · 0.0mi
Hey Mikey's Ice Cream · 0.0mi
Gumbo Bar · 0.1mi
gym
Urban HF - 24HR Access · 0.1mi
Kingdom Fitness · 0.2mi
Island Salt Air Yoga Studio · 0.2mi
post_office
United States Postal Service · 0.1mi
United States Postal Service · 2.6mi
United States Postal Service · 6.3mi
place_of_worship
Trinity Protestant Episcopal Church · 0.2mi
Saint Mary's Cathedral Basilica · 0.2mi
Trinity Episcopal Church · 0.2mi
daycare
Amy Lane · 0.2mi
Trinity Episcopal School · 0.2mi
Koala Kare Daycare & Preschool · 0.2mi

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. 12.0 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
8 comparable sales nearby · sold median $264/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
The Lofts The Texas Bldg Con
TIER: SUBDIVISION
Subdivision name (MLS)The Lofts The Texas Bldg Con City · ZIPGalveston · 77550 CountyGalveston Listings in subdivision18 Active now4 Sold (last 12 mo)0 Curated amenities60
● Year-built distribution
No build-year dataWill populate from the parcel roll.

Fire Protection

§ 11
Nearest station
Galveston Fire Department Station 1
· Galveston
Distance
0.4 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48167724500 · ACS 2023
Median HH income
$52,292
ACS 2023
Median home value
$313,000
Census self-report
Owner-occupied
12%
813 housing units
Bachelor's+
52%
Adults 25+
Median age
37.3
Population 1,033
Work from home
8%
of commuters
Commute 45min+
9%
of commuters
Below poverty
14.8%
tract-level

Amenities & Nearby Places

§ 13

Grocery

Walmart
0.1 mi · 5 within 1.5 mi

Schools

Texas Scuba Adventures
0.1 mi · 5 within 1.5 mi

Parks

Wall of Remembrance
0.2 mi · 5 within 1.5 mi

Restaurants

MarMo Cafe & Lounge
0.1 mi · 8 within 1.5 mi

Cafés

MOD Coffeehouse
0.0 mi · 5 within 1.5 mi

Gyms

Yoga Shala of Galveston
0.1 mi · 3 within 1.5 mi
Data: Google Places (refreshed every 7 days). Last fetched May 6, 2026.

Location & Neighborhood

§ 13
● This Home
415 Kempner Street, Galveston, TX 77550
Galveston County · 29.30°N, 94.79°W
bank
Frost Bank
0.0 mi · 3 within 2 mi
restaurant
MOD Coffeehouse
0.0 mi · 5 within 2 mi
gym
Urban HF - 24HR Access
0.1 mi · 3 within 2 mi
post_office
United States Postal Service
0.1 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Jul 20, 2026 Listed $299,000 Michael Coffey
Dec 31, 1917 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Michael Coffey · Carnes Realty Group 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 21, 2026.
MLS# 53009125 · LIST DATE: Jul 20, 2026 · PARCEL: 4769-0000-0005-400
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