Homes for Sale/Galveston County/Crystal Beach/Emerald Beach
Active MLS #74944729 · 37 days on market

865 Palmetto Drive

Crystal Beach, TX 77650
Subdivision  ·  Emerald Beach
List Price
$399,000
$266/SF · 14.9% below neighborhood median
Beds
3
Baths
2
Sq Ft
1,500
Built
2025
Lot
0.13 ac
Garage
1-car
County
Galveston
Tax Rate
0.25%

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 LIVING WITH BEACH VIEWS! Step into the relaxed beauty of Crystal Beach with this beautifully crafted 2025-built coastal retreat, the moment you enter, the inviting open-concept design welcomes you with abundant natural light & easy flow between the living, dining, kitchen spaces perfect for entertaining family and friends or simply unwinding & kitchen features granite countertops, stainless steel appliances, custom cabinetry, pantry & storage, & a spacious island with breakfast bar, 3spacious bedrooms and 2 beautifully finished baths provide plenty of room for family and guests, Step outside to enjoy the large deck, where morning coffee, sunset cocktails, and salty Gulf breezes become part of everyday life. With no restrictions for vacation rentals, this allows the property to offer exceptional flexibility as a full-time residence, weekend getaway, or income-producing coastal investment. This property has been virtually photo-staged for your enjoyment.

Features

§ 02

Interior

  • Breakfast Bar
  • Crown Molding
  • Dry Bar
  • Elevator
  • Kitchen Island
  • Kitchen Family Room Combo
  • Three Bedrooms Up
  • Ceiling Fans
  • Programmable Thermostat
  • Dishwasher
  • Electric Oven
  • Electric Range
  • Disposal
  • Microwave
  • Refrigerator
  • Washer
  • Plank
  • Vinyl

Exterior & lot

  • Balcony
  • Deck
  • Paved Driveway
  • Porch
  • Patio
  • Private Yard
  • Cleared
  • Other
  • Subdivision
  • Views
  • Roof: Composition
  • Additional Parking
  • Attached
  • Driveway
  • Garage
  • Golf Cart Garage

Community

  • Smoke Detectors
  • Gulf
  • Water
  • Style: Other

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Other
Year Built 2025
Year Built Source PublicRecords
New Construction Yes
Property Condition New Construction
Builder Name AM Coastal

Building

Stories 1
Levels One
Living Area 1,500 sq ft
Living Area Source Appraiser
Building Area Total 1,500 sq ft
Construction Cement Siding, Wood Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 2
Bathrooms Full 2
Bathrooms Half 0
Rooms Total 8

Interior

Interior Features Breakfast Bar, Crown Molding, Dry Bar, Elevator, Kitchen Island, Kitchen Family Room Combo, Three Bedrooms Up, Ceiling Fans, Programmable Thermostat
Flooring Plank, Vinyl
Appliances Dishwasher, Electric Oven, Electric Range, Disposal, Microwave, Refrigerator, Washer
Laundry Washer Hookup, Electric Dryer Hookup
Security Smoke Detectors

Exterior

Exterior Features Balcony, Deck, Paved Driveway, Porch, Patio, Private Yard
Patio / Porch Balcony, Deck, Patio, Porch
Pool Private No
Waterfront Features Beach Front
View Yes
View Type Gulf, Water

Parking & Garage

Garage Spaces 1
Attached Garage Yes
Parking Features Additional Parking, Attached, Driveway, Garage, Golf Cart Garage

Lot

Lot Size (acres) 0.1263
Lot Size Source Appraiser
Lot Features Cleared, Other, Subdivision, Views

Location

County Galveston
MLS Area Major 33
MLS Area Minor Crystal Beach
Subdivision Emerald Beach
Road Surface Concrete
Postal Code 77650

Utilities

Heating Central, Electric
Cooling Central Air, Electric
Water Source Public
Sewer Septic Tank
Energy Efficient Thermostat

Taxes, Terms & Disclosures

Tax Annual Amount $1,011
Tax Year 2025
Tax Rate (est.) 0.25%
Parcel # 3200-0000-0175-000
Legal Description ABST 179 J SHAW SUR LOT 175 EMERALD BEACH
Listing Terms Cash, Conventional, FHA, Investor Financing
Lease Considered No
Disclosures Seller Disclosure

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 8

Primary Bedroom 14'4"x12' 2"
Bedroom 12' 8"x11' 5"
Bedroom 12' 8"x 11' 5"
Kitchen 17' 4"x 12' 2"
Family Room 16'3"x25'6"
Utility Room 10'8"x5'8"
Primary Bathroom 13;5"x12'6"
Bathroom 10'10"x6'6"

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
$2,480
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,396 Property tax$84 Homeowners insuranceTBD
Subtotal (P&I + Tax) $2,480

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
1.3466%
ALL 5 TAXING DISTRICTS · 2025 BILL
202320242025
MUD
→ stable
School
0.84%
→ stable
City
→ stable
County
0.32%
→ stable
Other districts
0.18%
→ stable

HOA & Community

§ 05
● HOA details
ANNUAL
Association name Management co. Website Phone Cert on filepending
● Community amenities
bank
ATM (ATM Link, Inc.) · 0.3mi
ATM (ATM Link, Inc.) · 0.4mi
ATM (ATM Link, Inc.) · 0.9mi
grocery
TJ's Discount Groceries · 0.3mi
Swede's Quick Stop · 0.4mi
TJ's Discount Groceries · 0.9mi
restaurant
The Frio Loco Shaved Ice · 0.3mi
Salty Bovine Pit House · 0.4mi
Third Coast Coffee Cafe · 0.7mi
post_office
United States Postal Service · 0.7mi
United States Postal Service · 1.6mi
United States Postal Service · 7.0mi
gym
Sweat Fitness · 1.3mi
Sweat Fitness · 2.2mi
park
· 2.6mi
· 3.5mi
· 7.9mi

Broadband & Connectivity

§ 06
Broadband not mappedWe have not yet resolved FCC provider data for this block.

Environmental Risk

§ 08
V
FEMA Zone
Zone VE · Coastal High Hazard
Coastal wave-action hazard zone. Flood insurance required.
PANEL 48167C BASE FLOOD ELEV. 17.0 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
6 comparable sales nearby · sold median $313/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
Emerald Beach
TIER: SUBDIVISION
Subdivision name (MLS)Emerald Beach City · ZIPCrystal Beach · 77650 CountyGalveston Listings in subdivision381 Active now34 Sold (last 12 mo)16 Curated amenities44
● Year-built distribution
1970s 1 2000s 1 2005s 3 2010s 10 2015s 8 2020s 5 2025s 1

Fire Protection

§ 11
Nearest station
Crystal Beach Fire / Rescue Department
Distance
1.0 mi
Straight-line from listing
ISO rating
Future data point
Avg. response
From incident log (future)

Neighborhood Demographics

§ 12 · Census tract 48167723900 · ACS 2023
Median HH income
$71,970
ACS 2023
Median home value
$316,400
Census self-report
Owner-occupied
43%
3,275 housing units
Bachelor's+
13%
Adults 25+
Median age
62.6
Population 2,995
Work from home
9%
of commuters
Commute 45min+
38%
of commuters
Below poverty
11.0%
tract-level

Amenities & Nearby Places

§ 13

Grocery

T J's Grocery
0.2 mi · 2 within 1.5 mi

Schools

None within 1.5 mi

Parks

Noble Carl Park
1.1 mi · 1 within 1.5 mi

Restaurants

El Rinconcito
0.2 mi · 8 within 1.5 mi

Cafés

Frio Loco | Coffee & Shaved Ice
0.3 mi · 5 within 1.5 mi

Gyms

None within 1.5 mi
Data: Google Places (refreshed every 7 days). Last fetched May 8, 2026.

Location & Neighborhood

§ 13
● This Home
865 Palmetto Drive, Crystal Beach, TX 77650
Galveston County · 29.44°N, 94.65°W
bank
ATM (ATM Link, Inc.)
0.3 mi · 5 within 2 mi
grocery
TJ's Discount Groceries
0.3 mi · 4 within 2 mi
restaurant
The Frio Loco Shaved Ice
0.3 mi · 9 within 2 mi
post_office
United States Postal Service
0.7 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Aug 18, 2026 Listed $399,000 Nicole Cheramie
Dec 31, 2024 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Nicole Cheramie · Cobb Real Estate
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 Aug 21, 2026.
MLS# 74944729 · LIST DATE: Aug 18, 2026 · PARCEL: 3200-0000-0175-000
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 24, 2026, 4:59 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity