409 16th St, Galveston, TX 77550 Property Records

Galveston County property record for 409 16th St, Galveston, TX 77550

Property Summary

Property Type	Duplex
Details	1.5 ba · 1,381 sqft · built 1897
Lot Size	0.056 acres (2,416 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jan 2026)
Tax Bill	$2,090 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2026 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`3505-0496-0007-001`

Property Details

APN / Parcel Number

Primary APN	`3505-0496-0007-001`
Alternative APN	`R437783`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,381 sqft Living Area
1st Floor Area	866 sqft
2nd Floor Area	515 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1897
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asbestos
Lot Area	2,416 sqft (0.056 acres)
Porch	Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Street Address	409 16TH ST
City	GALVESTON
State	TX
Zip	77550-2527
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	ABST 628 M B MENARD SUR S 56.4 FT OF LOT 7 (7-1) BLK 496 GALVESTON
Legal Subdivision	GALVESTON TOWNSITE
Legal Tract	7
Legal Block	496
Legal Lot Number	7
Jurisdiction	GALVESTON TX
Township / Civil Division	GALVESTON
Census Block Group	3
Census Block	3030
Census Tract	724300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the East End Historic District listed 1975 · 463 contributing resources · National Historic Landmark (designated 1976) · NRIS 75001979

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

409 16th St, a duplex, is owned and occupied by an individual who bought it in January 2026.

Source: Galveston County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	409 16TH ST, GALVESTON, TX 77550-2527
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage · Loan Assumption CADENCE BANK NA
Jan 22, 2026	Divorce Transfer, Transfer
Aug 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage CADENCE BANK NA
May 31, 2022	Warranty Deed, Transfer SOUTHERLAND TITLE, SOUTHLAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2026 · Amount on File
Deed Sale	Jan 22, 2026 · Amount on File
Prior Sale	May 31, 2022
Deed Document Number	20263200
Prior Transfer Date	Jul 31, 2020
Prior Transfer Doc	0000046454
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALVESTON TX
Property Address	409 16TH ST, GALVESTON, TX 77550-2527
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003197
Date	Jan 22, 2026
Instrument	2026003197

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38801

Agreement

Type	Loan Assumption
Amount	Amount on Record

January 2026: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	GALVESTON TX
Recording Date	Jan 22, 2026
Property Address	409 16TH ST, GALVESTON, TX 77550-2527
Document Number	0000003200
Instrument Date	Dec 5, 2025
Instrument	2026003200
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	211 S MAIN ST, MANCHESTER, CT 06040-6542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 16TH ST, GALVESTON, TX 77550-2527

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GALVESTON TX
Property Address	409 16TH ST, GALVESTON, TX 77550-2527
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052710
Date	Aug 10, 2022
Instrument	2022052710

Lender

Name	CADENCE BANK NA
Type	Bank
Address	TUPELO, MS 38803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2029
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	9.75%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GALVESTON TX
Recording Date	May 31, 2022
Property Address	409 16TH ST, GALVESTON, TX 77550-2527
Document Number	0000036541
Instrument Date	May 31, 2022
Instrument	2022036541
Transaction Type	Transfer
Record Updated	Oct 16, 2023
Title Company	SOUTHERLAND TITLE, SOUTHLAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 CRESCENT RD, WACO, TX 76710-7230

Tax Assessment & Valuation

The 2025 property tax bill for 409 16th St was $2,090, down 29.2% from the year before.

Source: Galveston County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Texas
County	Galveston County
Municipality	Galveston City
Unified School District	Galveston Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$235,410 (-20.05%) Land $107,660 Building $127,750	$235,410 (-20.05%) Land $107,660 Building $127,750
2025	$2,090.00 (-29.18%) Homeowner's exemption Senior Citizen's exemption	$294,440 (-1.93%) Land $107,660 Building $186,780	$294,440 (-1.93%) Land $107,660 Building $186,780
2024	$2,951.00 (-57.47%)	$300,240 (-24.38%) Land $107,660 Building $192,580	$300,240 (-24.38%) Land $107,660 Building $192,580
2023	$6,938.00	$397,040 Land $10,330 Building $386,710	$397,040 Land $10,330 Building $386,710
2018	$3,484.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 16th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 28, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	12.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 179 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	179 in force
Nearby Flood Claims	291 (1979–2017)
Claims Outside the SFHA	5 of 291
Most Recent Claim	Aug 2017 · Hurricane Harvey
Claims by Event	Hurricane Harvey, Aug 2017 · 38 claims Hurricane Ike, Sep 2008 · 182 claims Hurricane Alicia, Aug 1983 · 27 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 409 16th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GALVESTON serves 52,326 people · EPA ID TX0840003
Water Source	Purchased surface water from GULF COAST WATER AUTHORITY TX CITY
Last State Inspection	Jan 2024
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 534 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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