Homes for Sale/Galveston County/Crystal Beach/Holiday Beach
Active MLS #81083142 · 573 days on market

987 Surf

Crystal Beach, TX 77650
Subdivision  ·  Holiday Beach
List Price
$449,000
$281/SF · 3.7% below neighborhood median
Beds
3
Baths
2
Sq Ft
1,600
Built
2017
Lot
6,312 sf
Garage
1-car
County
Galveston
Tax Rate
1.92%

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

Stunning beach house in Crystal Beach offers an unforgettable vacation experience with its prime location, amenities, and coastal charm. Ideal for a personal getaway or a lucrative Airbnb investment, this property delivers the best of both worlds. A short stroll from the sandy shores and breathtaking ocean views, it’s a true coastal escape. On the ground floor a one-car garage and an outdoor shower for convenience. The open-concept first floor seamlessly blends the living, dining, and kitchen areas, flooded with natural light. The fully equipped kitchen provides ample counter and cabinet space. The spacious primary bedroom boasts an ensuite bathroom, while two secondary bedrooms share a full bath. Enjoy the refreshing sea breeze from the first-floor deck, the perfect spot for lounging. Being sold fully furnished, including a refrigerator, washer, dryer, kitchenware, linens, and tasteful beach-themed décor. Schedule your showing today and begin envisioning your ideal beachside retreat!

Features

§ 02

Interior

  • Breakfast Bar
  • Crown Molding
  • Double Vanity
  • En Suite Bathroom
  • High Ceilings
  • Kitchen Island
  • Main Level Primary
  • Tub Shower
  • Walk In Closets
  • Window Treatments
  • Ceiling Fans
  • Kitchen Dining Combo
  • Programmable Thermostat
  • Dishwasher
  • Electric Oven
  • Electric Range
  • Free Standing Range
  • Microwave

Exterior & lot

  • Covered Patio
  • Deck
  • Patio
  • Corner Lot
  • Views
  • Covered
  • Roof: Composition
  • Attached
  • Garage

Community

  • Smoke Detectors
  • Bay
  • Water
  • Style: Traditional

Property Details

§ 03 · Full MLS record

Property

Property Type Residential
Property Sub Type Detached
Architectural Style Traditional
Year Built 2017
Year Built Source PublicRecords
New Construction No

Building

Stories 1
Levels One
Living Area 1,600 sq ft
Living Area Source Appraiser
Building Area Total 1,600 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, Double Vanity, En Suite Bathroom, High Ceilings, Kitchen Island, Main Level Primary, Tub Shower, Walk In Closets, Window Treatments, Ceiling Fans, Kitchen Dining Combo, Programmable Thermostat
Appliances Dishwasher, Electric Oven, Electric Range, Free Standing Range, Microwave, Dryer, Refrigerator, Washer
Laundry Washer Hookup, Electric Dryer Hookup
Windows Window Coverings
Security Smoke Detectors
Indoor Air Quality Ventilation

Exterior

Exterior Features Covered Patio, Deck, Patio
Patio / Porch Covered, Deck, Patio
Pool Private No
View Yes
View Type Bay, Water

Parking & Garage

Garage Spaces 1
Attached Garage Yes
Parking Features Attached, Garage

Lot

Lot Size (sq ft) 6,312
Lot Size (acres) 0.1449
Lot Size Source Appraiser
Lot Features Corner Lot, Views

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
Energy Efficient Thermostat

Taxes, Terms & Disclosures

Tax Annual Amount $8,616
Tax Year 2022
Tax Rate (est.) 1.92%
Parcel # 4050-0000-0160-000
Legal Description ABST 65 B FRANKS SUR LOT 160 HOLIDAY BEACH
Listing Terms Cash, Conventional, FHA, Va Loan
Lease Considered No

Room Layout

§ 04 · 8 rooms · MLS-supplied

Main level · 8

Primary Bedroom 14X12
Primary Bathroom
Bedroom 10X12
Bedroom 9X12
Kitchen
Breakfast Room Nook
Family Room
Utility Room

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
$3,414
30-YR FIXED · ADJUST ASSUMPTIONS BELOW
%
%
Principal & interest$2,696 Property tax$718 Homeowners insuranceTBD
Subtotal (P&I + Tax) $3,414

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
5 comparable sales nearby · sold median $291/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
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
2.0 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

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

Location & Neighborhood

§ 13
● This Home
987 Surf, 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
Feb 27, 2025 Listed $449,000 Kelly Dean
Dec 31, 2016 Built
Status change events from HAR MLS (future: full audit trail)
● Disclosures & Attribution
Listed by Kelly Dean · SWK 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 23, 2026.
MLS# 81083142 · LIST DATE: Feb 27, 2025 · PARCEL: 4050-0000-0160-000
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, 10:39 PM CDT. Properties may subsequently be sold or off-market. Equal Housing Opportunity