Some folks come to the coast for the beach. Others come for the bay — calm water, kayaks at sunrise, and fish that actually bite. At 4726 Palm Street, you get the bay out front and the beach just down the road.

This 2023 new construction sits on the quiet stretch of Blue Water Highway between Surfside Beach and Treasure Island. It has 3 bedrooms, 2 full baths, a quartz kitchen, Drum Bay views with Gulf glimpses, and access to a community boat ramp on Drum Bay.

Here's the honest rundown on what you get, what to check, and who this home fits best.

The Quick Facts

Brand New (Well, Almost): Built in 2023

Salt air is tough on houses, so newer is a big deal at the coast. Built in 2023, this raised home gives you modern finishes and a fresh start on the big stuff.

• Quartz countertops and stainless steel appliances
• Tile showers and modern fixtures
• High ceilings and a bright, open-concept living area
• Laminate flooring that handles sandy feet
• Energy-efficient 2-stage A/C to keep summer power bills in check
• Refrigerator, electric range and oven, and dishwasher included

A Smart Split Layout

The primary bedroom is on the first floor of the living space, with an en-suite bath. A split floor plan puts the other bedrooms away from the main suite, so guests get their space and you get yours.

There's also a laundry room with washer and electric dryer hookups, so beach towels don't take over the kitchen.

Bay Life: Drum Bay Views and a Community Boat Ramp

This is where 4726 Palm really stands out. You get elevated views of Drum Bay plus glimpses of the Gulf. And the neighborhood has a community boat ramp on Drum Bay.

That means you can launch the boat or kayak close to home and spend the day fishing or paddling the bay. San Luis Pass is nearby, too — a favorite spot for anglers on this part of the coast.

Low HOA, Extra Parking

The HOA is just $100 per year. That's not a typo. You also get a detached carport with covered parking plus additional parking for the trailer, golf cart, or visiting friends.

What to Check Before You Buy

Honest homework now saves headaches later:

1. Water well and aerobic septic. This home uses a private well and an aerobic septic system, not city water and sewer. Test the well water and review the septic maintenance contract. The Texas Well Owner Network and the TCEQ On-Site Sewage Facilities program explain the basics.
2. Property taxes. Tax records may not reflect the finished home yet, so expect taxes to go up once it's fully assessed. Check with the Brazoria County Appraisal District.
3. Flood zone and elevation. Look up the address on the FEMA Flood Map Service Center and get flood insurance quotes early.
4. Windstorm insurance. Most coastal Texas homes need it. Learn how it works through the Texas Windstorm Insurance Association (TWIA).
5. HOA and rental rules. Get the HOA rules (including boat ramp access) and confirm current Brazoria County rules before renting short-term.
6. Builder warranty. On a 2023 build, ask whether any builder warranty is still in place and whether it transfers.

This is where a local broker like Carter Signature Properties earns their keep. We know the island, the utilities, and the questions to ask.

Who This Home Is Perfect For

• Anglers and boaters who want a community boat ramp close to home
• Kayakers and paddlers who love calm bay water
• Second-home buyers from Greater Houston who want new construction without new-construction wait times
• Full-time coastal movers who want a first-floor primary suite

Life Between Surfside Beach and Treasure Island

San Luis Beach sits along Blue Water Highway between Surfside Beach and Treasure Island, with San Luis Pass nearby. It's quieter than the busier beach towns, with easy access to the beach, the bay, and the pass. Freeport and Lake Jackson are close for errands, and Galveston and Greater Houston are an easy drive for weekend trips.

Want the bigger picture on Texas housing? The Texas Real Estate Research Center at Texas A&M is a great free resource.