Galveston County property record for 978 Surf Rd, Crystal Beach, TX 77650
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 990 sqft · built 2017 |
| Lot Size | 0.109 acres (4,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $452,200 (Apr 2024) |
| Tax Bill | $4,791 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone VE (high risk) |
| APN | 4050-0000-0295-000 |
| Primary APN | 4050-0000-0295-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 990 sqft Living Area |
| Gross Area | 1,276 sqft |
| 1st Floor Area | 990 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 4,750 sqft (0.109 acres) |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 270 sqft |
| Deck Area | 356 sqft |
| Patio Area | 356 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 978 SURF RD |
|---|---|
| City | PORT BOLIVAR |
| State | TX |
| Zip | 77650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ABST 65 B FRANKS SUR LOT 295 HOLIDAY BEACH |
| Legal Subdivision | HOLIDAY BEACH |
| Legal Block | 3 |
| Legal Lot Number | 295 |
| Jurisdiction | GALVESTON TX |
| Township / Civil Division | BOLIVAR PENINSULA |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 723900 |
Source: Galveston County records, as of September 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1013 W WOODRIDGE RD, WAXAHACHIE, TX 75165-6909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 26, 2024 | Vendor's Lien, Transfer · Conventional Mortgage WATERMARK CAPITAL INC |
| Jul 12, 2021 | Vendor's Lien, Transfer · Conventional Mortgage GUARANTEED RATE IN |
| May 12, 2017 | Deed of Trust, Mortgage TEXAS FIRST BANK |
| Dec 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage EUSTIS MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2024 · Amount on Record |
| Deed Sale | Apr 26, 2024 · Amount on Record |
| Prior Sale | Jul 12, 2021 · Amount on Record |
| Deed Document Number | 202418434 |
| Prior Transfer Date | Jul 9, 2021 |
| Prior Transfer Doc | 0000050523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GALVESTON TX |
| Recording Date | Apr 26, 2024 |
| Property Address | 978 SURF RD, CRYSTAL BEACH, TX 77650 |
| Document Number | 0000018434 |
| Map Reference | VOL 254-A PG 84 |
| Instrument Date | Apr 25, 2024 |
| Instrument | 2024018434 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2024 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH LAND TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1013 W WOODRIDGE RD, WAXAHACHIE, TX 75165-6909 |
| Document Number | 0000018435 |
|---|---|
| Date | Apr 26, 2024 |
| Instrument | 2024018435 |
| Name | WATERMARK CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Vendor's Lien |
|---|---|
| Jurisdiction | GALVESTON TX |
| Recording Date | Jul 12, 2021 |
| Property Address | 978 SURF RD, CRYSTAL BEACH, TX 77650 |
| Document Number | 0000050523 |
| Map Reference | PL 12 MAP 36 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 2021050523 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2021 |
| Title Company | SOUTH OAK TITLE LLC, SOUTH LAND TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 30707 FORESTRY DR, SPRING, TX 77386-2649 |
| Document Number | 0000050524 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 2021050524 |
| Name | GUARANTEED RATE IN |
|---|---|
| Type | Mortgage Company |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GALVESTON TX |
| Property Address | 978 SURF RD, CRYSTAL BEACH, TX 77650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOUTH LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000029021 |
|---|---|
| Date | May 12, 2017 |
| Instrument | 2017029021 |
| Name | TEXAS FIRST BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GALVESTON TX |
| Property Address | 978 SURF RD, CRYSTAL BEACH, TX 77650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOUTH LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000074452 |
|---|---|
| Date | Dec 8, 2017 |
| Instrument | 2017074452 |
| Name | EUSTIS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | NEW ORLEANS, LA 70163 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
Source: Galveston County assessment roll, as of September 9, 2026
| Type | Name |
|---|---|
| State | Texas |
| County | Galveston County |
| Unified School District | Galveston Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $309,840 (-15.77%) Land $41,090 Building $268,750 | $309,840 (-15.77%) Land $41,090 Building $268,750 | |
| 2025 | $4,791.00 (-20.08%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $367,840 (-12.64%) Land $41,090 Building $326,750 | $367,840 (-12.64%) Land $41,090 Building $326,750 |
| 2024 | $5,995.00 (+53.36%) | ||
| 2023 | $421,085 Land $24,460 Building $396,625 | $421,085 Land $24,460 Building $396,625 | |
| 2018 | $3,909.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 28, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 15.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 2,488 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2,488 in force |
| Nearby Flood Claims | 273 (1979–2026) |
| Most Recent Claim | Aug 2026 · other causes |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 84% of Texas |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BOLIVAR PENINSULA SUD serves 18,424 people · EPA ID TX0840044 |
|---|---|
| Water Source | Purchased surface water from LOWER NECHES VALLEY AUTHORITY |
| Last State Inspection | Jul 2023 |
| Lead | 4 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rural Telecommunications of America Fixed Wireless | 300 / 150 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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