Homes for Sale/Galveston County/Crystal Beach/Holiday Beach
Active MLS #55733426 · 348 days on market

974 Surf Road

Crystal Beach, TX 77650
Subdivision  ·  Holiday Beach
List Price
$439,000
$352/SF
Beds
3
Baths
2
Sq Ft
1,248
Built
2018
Lot
0.11 ac
Garage
1-car
County
Galveston
Tax Rate
1.34%

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

Built in 2017 and never used as a rental, this beautifully maintained 3-bedroom home offers coastal charm and quality throughout. Thoughtfully furnished with pieces curated specifically for this home — including selections from Pottery Barn — the interior exudes warmth and style. Features include remote-control blinds, an inviting wraparound porch perfect for relaxing or entertaining, and a spacious open layout designed for comfort. Most furnishings will convey with the sale, making this property truly move-in ready. Ideal as a full-time residence or second home, this property is located in a friendly subdivision that also allows rentals, offering great flexibility for future use. Ask about the golf cart that’s available to complete your coastal living experience!

Features

§ 02

Interior

  • Breakfast Bar
  • Double Vanity
  • High Ceilings
  • Kitchen Island
  • Kitchen Family Room Combo
  • Pantry
  • Tub Shower
  • Ceiling Fans
  • Kitchen Dining Combo
  • Dishwasher
  • Electric Cooktop
  • Microwave
  • Oven
  • Dryer
  • Washer
  • Plank
  • Vinyl
  • Heat: Central

Exterior & lot

  • Deck
  • Patio
  • Subdivision
  • Waterfront
  • Roof: Composition
  • Additional Parking
  • Attached
  • Garage

Community

  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2018
Year Built Source Owner
New Construction No

Building

Stories 1
Levels One
Living Area 1,248 sq ft
Living Area Source Appraiser
Building Area Total 1,248 sq ft
Construction Cement Siding
Roof Composition

Rooms & Baths

Bedrooms 3
Bathrooms (total) 2
Bathrooms Full 2
Bathrooms Half 0
Rooms Total 5

Interior

Interior Features Breakfast Bar, Double Vanity, High Ceilings, Kitchen Island, Kitchen Family Room Combo, Pantry, Tub Shower, Ceiling Fans, Kitchen Dining Combo
Flooring Plank, Vinyl
Appliances Dishwasher, Electric Cooktop, Microwave, Oven, Dryer, Washer
Laundry Electric Dryer Hookup

Exterior

Exterior Features Deck, Patio
Patio / Porch Deck, Patio
Pool Private No
Waterfront Yes
Waterfront Features Beach Front, Waterfront

Parking & Garage

Garage Spaces 1
Attached Garage Yes
Parking Features Additional Parking, Attached, Garage

Lot

Lot Size (acres) 0.1092
Lot Size Source Appraiser
Lot Features Subdivision, Waterfront
Direction Faces West

Location

County Galveston
MLS Area Major 33
MLS Area Minor Crystal Beach
Subdivision Holiday Beach
Road Surface Asphalt
Postal Code 77650

Utilities

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

Taxes, Terms & Disclosures

Tax Annual Amount $5,879
Tax Year 2025
Tax Rate (est.) 1.34%
Parcel # 4050-0000-0296-000
Legal Description ABST 65 B FRANKS SUR LOT 296 HOLIDAY BEACH
Lease Considered No
Disclosures Other

Room Layout

§ 04 · 5 rooms · MLS-supplied

Main level · 5

Living Room 27x19
Kitchen combo
Primary Bedroom 12x12
Bedroom 12x12
Bedroom 11x1-

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
$3,126
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,636 Property tax$490 Homeowners insuranceTBD
Subtotal (P&I + Tax) $3,126

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
Neches Federal Credit Union · 0.3mi
Neches go Atm · 0.3mi
Texas First Bank ATM · 0.3mi
restaurant
Tia Juanita's Fish Camp · 0.6mi
Stingaree · 1.3mi
Salty Bovine Pit House · 1.9mi
gym
Sweat Fitness · 0.7mi
post_office
United States Postal Service · 1.2mi
United States Postal Service · 9.8mi
grocery
Swede's Quick Stop · 1.7mi
TJ's Discount Groceries · 2.8mi
park
· 5.3mi
Smith Point Park · 9.9mi

Broadband & Connectivity

§ 06 · Rolled up from MLS
● Max advertised speed at this address
5,000 Mbps
Fiber available
Top fiber: AT&T
Fiber / DSL
AT&T
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
Unknown
Rural Telecommunications of America
Speeds per provider

Environmental Risk

§ 08
V
FEMA Zone
Zone VE · Coastal High Hazard
Coastal wave-action hazard zone. Flood insurance 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
4 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
Holiday Beach
TIER: SUBDIVISION
Subdivision name (MLS)Holiday Beach City · ZIPCrystal Beach · 77650 CountyGalveston Listings in subdivision388 Active now27 Sold (last 12 mo)21 Curated amenities17
● Year-built distribution
1985s 1 2010s 9 2015s 8 2020s 4

Fire Protection

§ 11
Nearest station
Crystal Beach Volunteer Fire Department and Emergency Medical Services
· Crystal Beach
Distance
2.1 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

Active listing — amenities should populate from the go-live pipeline. Click to fetch now if missing.

Location & Neighborhood

§ 13
● This Home
974 Surf Road, Crystal Beach, TX 77650
Galveston County · 29.47°N, 94.61°W
bank
Texas First Bank ATM
0.3 mi · 5 within 2 mi
restaurant
Tia Juanita's Fish Camp
0.6 mi · 3 within 2 mi
gym
Sweat Fitness
0.7 mi · 1 within 2 mi
post_office
United States Postal Service
1.2 mi · 1 within 2 mi
Interactive map coming in v0.2 — currently showing schematic placement.
● Listing History
Oct 11, 2025 Listed $439,000 Elizabeth Boles Terminella
Dec 31, 2017 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Elizabeth Boles Terminella · eXp Realty 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 Jun 16, 2026.
MLS# 55733426 · LIST DATE: Oct 11, 2025 · PARCEL: 4050-0000-0296-000
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, 12:52 AM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity