Homes for Sale/Galveston County/Kemah/Twin Oaks Sub Sec 1 2004
Active MLS #8520573 · 26 days on market

431 Cardinal Oaks

Kemah, TX 77565
Subdivision  ·  Twin Oaks Sub Sec 1 2004
List Price
$384,900
$151/SF
Beds
3
Baths
2
Sq Ft
2,552
Built
2005
Lot
0.17 ac
Garage
2-car
County
Galveston
Tax Rate
1.59%

Schools

§ 03
District
Elementary LLOYD R FERGUSON EL A
Middle CLEAR CREEK INT C
High CLEAR CREEK H S CCMR 78% · Grad 98% B
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 431 Cardinal Oaks, a spacious one-story home in the desirable Twin Oaks community! This modern open floor plan offers flexible spaces for a home office or game room, with wood-look porcelain tile throughout. The primary bath features a jetted tub, and there are split bedrooms for added privacy. Enjoy the convenience of a walk-in pantry and a new roof in 2024. The fenced backyard provides room to relax or entertain. Neighborhood amenities include a community pool, park, playground, and walking paths. Plus, benefit from the low tax rate in Twin Oaks Subdivision.

Features

§ 02

Interior

  • All Bedrooms Down
  • Breakfast Bar
  • Double Vanity
  • En Suite Bathroom
  • Jetted Tub
  • Kitchen Family Room Combo
  • Main Level Primary
  • Pantry
  • Split Bedrooms
  • Solid Surface Counters
  • Separate Shower
  • Tub Shower
  • Walk In Pantry
  • Walk In Closets
  • Ceiling Fans
  • Kitchen Dining Combo
  • Dishwasher
  • Free Standing Range

Exterior & lot

  • Fence
  • Private Yard
  • Corner Lot
  • Subdivision
  • Back Yard
  • Roof: Composition
  • Foundation: Slab
  • Attached
  • Garage
  • Garage Door Opener
  • Association

Community

  • Playground
  • Park
  • Pool
  • Trails
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2005
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 2,552 sq ft
Living Area Source Appraiser
Building Area Total 2,552 sq ft
Foundation Slab
Construction Brick, Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 2
Bathrooms Full 2
Bathrooms Half 0
Rooms Total 8
Fireplaces 1
Fireplace Features Gas

Interior

Interior Features All Bedrooms Down, Breakfast Bar, Double Vanity, En Suite Bathroom, Jetted Tub, Kitchen Family Room Combo, Main Level Primary, Pantry, Split Bedrooms, Solid Surface Counters, Separate Shower, Tub Shower, Walk In Pantry, Walk In Closets, Ceiling Fans, Kitchen Dining Combo
Flooring Carpet, Tile
Appliances Dishwasher, Free Standing Range, Disposal, Gas Oven, Gas Range, Microwave
Laundry Washer Hookup, Electric Dryer Hookup, Gas Dryer Hookup

Exterior

Exterior Features Fence, Private Yard
Fencing Back Yard
Pool Private No
Pool Features Association

Parking & Garage

Garage Spaces 2
Attached Garage Yes
Parking Features Attached, Garage, Garage Door Opener

Lot

Lot Size (acres) 0.1741
Lot Size Source Appraiser
Lot Features Corner Lot, Subdivision

Location

County Galveston
MLS Area Major 33
MLS Area Minor League City
Subdivision Twin Oaks Sub Sec 1 2004
Road Surface Asphalt
Postal Code 77565

Utilities

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

HOA / Association

HOA Yes
HOA Fee $600
HOA Fee Frequency Annually
HOA Name ASSOCIA PROPERTY MANAGEMENT
Fee Includes Other, Recreation Facilities
Amenities Playground, Park, Pool, Trails

Taxes, Terms & Disclosures

Tax Annual Amount $6,114
Tax Year 2025
Tax Rate (est.) 1.59%
Parcel # 7267-0001-0036-000
Legal Description TWIN OAKS SUB SEC 1 (2004) ABST 18, BLOCK 1, LOT 36, ACRES 0
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 8

Family Room 29X19
Dining Room 13X16
Kitchen 13X16
Utility Room 8x6
Office 10x7
Primary Bedroom 14x18
Bedroom 13x11
Bedroom 11x12

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
$2,821
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,311 Property tax$510 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,821
Yearly HOA fee $600

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
1.6582%
ALL 4 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
0.97%
→ stable
City
→ stable
County
0.32%
→ stable
Other districts
0.37%
→ stable

HOA & Community

§ 05
● HOA details
$600
ANNUALLY
Association nameASSOCIA PROPERTY MANAGEMENT Management co. Website Phone Cert on filepending
Fee includes
Other · RecreationFacilities
● Community amenities
restaurant
Center Court Pizza & Brew · 0.1mi
McDonald's · 0.5mi
Pomodoro's Cucina Italiana · 0.8mi
park
· 0.5mi
· 1.0mi
· 1.0mi
grocery
Randalls 2051 · 0.6mi
Corner Store · 1.5mi
Arlan's Market · 1.6mi
pharmacy
Randalls Pharmacy · 0.7mi
CVS Pharmacy · 2.0mi
CVS Pharmacy · 2.0mi
police_station
Lakeview Police Department · 1.4mi
Clear Lake Shores Police Department · 1.4mi
Nassau Bay City Police Department · 2.2mi
veterinary
Safari Veterinary Care Centers · 1.7mi
Falcon Pass Animal Hospital · 4.0mi
Neighborhood Veterinary Centers - NASA · 4.4mi

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. 13.0 FT SFHA YES SOURCE 48167C_STUDY1
🌡 Heat days >95°F
54 days/yr above 95°F
Plus 8 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
2 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
Twin Oaks Sub Sec 1 2004
TIER: SUBDIVISION
Subdivision name (MLS)Twin Oaks Sub Sec 1 2004 City · ZIPKemah · 77565 CountyGalveston Listings in subdivision38 Active now2 Sold (last 12 mo)4 Curated amenities60
● Year-built distribution
2000s 1 2005s 1

Fire Protection

§ 11
Nearest station
Seabrook Volunteer Fire Department
Distance
1.4 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48167721502 · ACS 2023
Median HH income
$110,074
ACS 2023
Median home value
$441,700
Census self-report
Owner-occupied
60%
1,205 housing units
Bachelor's+
45%
Adults 25+
Median age
53.3
Population 2,408
Work from home
18%
of commuters
Commute 45min+
47%
of commuters
Below poverty
4.8%
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
431 Cardinal Oaks, Kemah, TX 77565
Galveston County · 29.54°N, 95.06°W
restaurant
Center Court Pizza & Brew
0.1 mi · 5 within 2 mi
park
0.5 mi · 5 within 2 mi
grocery
Randalls 2051
0.6 mi · 3 within 2 mi
pharmacy
Randalls Pharmacy
0.7 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 28, 2026 Listed $384,900 Misty Martinez
Dec 31, 2004 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Misty Martinez · Monarch & Co
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 19, 2026.
MLS# 8520573 · LIST DATE: Aug 28, 2026 · PARCEL: 7267-0001-0036-000
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