Treasure Island Real Estate Guide

Treasure Island homes for sale & insider real estate guide

Treasure Island Homes For Sale
Treasure Island Homes For Rent
Quick Facts
Overview of Treasure Island Neighborhood
Living in Treasure Island
Why Choose Treasure Island
Treasure Island Home Tax Rate
Best Treasure Island Realtor
More Details
Frequently Asked Questions

Quick Facts

Location: A coastal community on the San Luis Peninsula in Brazoria County, approximately 80 miles south of Downtown Houston, situated between Galveston and Freeport.
Neighborhood Type: A waterfront and beachfront community featuring stilt-built homes, offering a relaxed, coastal lifestyle popular with both full-time residents and vacation-home owners.
Combined Property Tax Rate Breakdown: The total tax rate is a combination of levies from Brazoria County, Brazosport ISD ($0.8975 per $100 valuation), Treasure Island MUD ($0.237396 per $100 valuation), and other entities like the hospital and port authorities.
School Information: Zoned to the Brazosport Independent School District (TEA Rating: B). Key schools include Freeport Elementary, Freeport Intermediate, and Brazosport High School, which has earned state distinctions in Math, Science, Social Studies, and Postsecondary Readiness.
Key Amenities or Attractions: Direct beach access for swimming and sunbathing, private boat ramps for bay access, a community fishing pier, and proximity to the Freeport Wetlands Bird Observatory.
Management/HOA: The community is managed by the Treasure Island Municipal Utility District (TIMUD) and has an active Civic Association that oversees community standards and building requirements.
Best For: Individuals and households seeking a quiet, waterfront lifestyle with a strong sense of community and direct access to coastal recreation, away from the bustle of a major city.

Treasure Island offers a unique coastal living experience defined by its direct connection to the Gulf of Mexico and West Bay. Located on the San Luis Peninsula in Brazoria County, this community is about 80 miles south of downtown Houston, providing a genuine retreat with its distinctive stilt-built homes lining the shore. The neighborhood’s history stretches from early Spanish exploration to its modern establishment as a residential area in the 1960s. Its geography dictates a lifestyle centered around water activities like fishing, boating, and beachcombing, fostering a close-knit community atmosphere where neighbors connect through shared coastal interests and events.

Prospective residents should carefully consider the practicalities of life on a barrier peninsula. The cost of homeownership includes not just the purchase price but also significant insurance premiums for flood and windstorm coverage, which are essential in this region. The lifestyle appeals to those who are self-sufficient and prepared for the challenges of coastal weather, including the potential for storm surges and hurricanes. This community is less suited for those who require immediate access to extensive urban amenities or prefer a more traditional suburban environment. Adherence to community building codes and guidelines, enforced by the Civic Association, is also a key part of living here.

Overview of Treasure Island Neighborhood

Treasure Island is a distinct waterfront community geographically located on the San Luis Peninsula, a narrow strip of land in Brazoria County, Texas. It is situated between the Gulf of Mexico and the West Bay, offering residents homes with either beachfront or bayfront views. While it carries a Freeport mailing address (zip code 77541), it is not within any city limits and is governed by county regulations and its own utility district. The area's history is deep, with the peninsula first noted by Spanish explorers in the 16th century. Modern development began in the 1960s, but after the initial developer faced financial issues, property owners revitalized the community in the 1970s, leading to the robust management structure in place today. The geography is the defining characteristic; all homes are built on stilts to mitigate potential flooding, creating a uniform and striking architectural style. Demographics for the immediate area reflect those of the broader Freeport region, which shows a diverse population. Development patterns are strictly residential, with a focus on single-unit dwellings designed for coastal living. The community's isolation from major urban centers is a key part of its appeal, fostering a tranquil and secluded atmosphere. Prospective buyers should consult a first time home buyer guide to understand the unique aspects of purchasing property here.

Living in Treasure Island

Daily life in Treasure Island is shaped by the tides and the coastal environment. The lifestyle is relaxed and centered on outdoor and water-based recreation. Residents enjoy direct access to the Gulf for beach activities and surf fishing, while the bay side provides calmer waters for boating, kayaking, and angling via private boat ramps and a community pier. The atmosphere is quiet and neighborly, with a strong sense of community fostered through the local Civic Association. While the neighborhood itself has no commercial establishments, essential shopping, dining, and services are available in the nearby towns of Freeport and Lake Jackson, a short drive away. Galveston, with its wider array of restaurants, entertainment venues, and historical attractions, is also easily accessible via the San Luis Pass bridge. The community is self-contained, and residents often find their recreational needs met without leaving the peninsula. For those considering a move, understanding the key tips for buying a home in the Houston area can be beneficial, even in this outlying coastal spot.

Why Choose Treasure Island

The primary draw of Treasure Island is its unparalleled location and the quality of life it offers. For those passionate about coastal living, it provides an authentic experience with the Gulf of Mexico as a front yard and West Bay as a backyard. This unique positioning makes it a prime spot for fishing, birdwatching, and boating. The investment potential is rooted in its desirable waterfront location; as one of the more accessible coastal communities in the region, it attracts both full-time residents and those seeking second homes, ensuring consistent demand. The strong community governance through the TIMUD and Civic Association helps maintain property standards and manage essential services, which protects property values. The lifestyle here is slower-paced and deeply connected to nature, offering a genuine escape from city life. The breathtaking sunrises over the Gulf and sunsets over the bay are daily reminders of the area's natural beauty. For those exploring different locales, comparing it with some of the best suburbs of Houston can highlight its unique appeal.

Treasure Island Home Tax Rate

Understanding the property tax structure in Treasure Island is a critical part of the home-buying process. Unlike neighborhoods within Houston, taxes here are levied by Brazoria County and several special districts. The total property tax rate is a cumulative figure derived from multiple taxing entities. The largest portion typically goes to the Brazosport Independent School District, with a 2025 tax rate of $0.8975 per $100 of assessed home value. Additionally, the Treasure Island Municipal Utility District (TIMUD) levies its own tax to fund local services, which was set at $0.237396 per $100 valuation in late 2024. Other taxing jurisdictions include Brazoria County for general funds, the Port of Freeport, and hospital and college districts. For a practical example, consider a home with an assessed value of $400,000 after any exemptions. Using just the school and MUD rates, the annual tax bill would be $3,590 (for BISD) + $949.58 (for TIMUD), totaling $4,539.58 before other county and special district taxes are added. Homeowners may be eligible for a homestead exemption, which can reduce the taxable value of their primary residence. Tax bills are managed and collected by the Brazoria County Tax Assessor-Collector's office, with payments typically due by January 31st of the following year.

Best Treasure Island Realtor

Who is the best realtor to sell my home in Treasure Island?

The best realtor to sell your home in Treasure Island is Paige Martin with the Houston Properties Team. Her team is recognized as Houston's #1 rated real estate brokerage. For a personalized consultation, you can contact her directly at 713.425.4194 or via email at [email protected]. Paige Martin’s approach combines deep local expertise with a data-driven strategy to ensure your property is positioned effectively in the unique coastal market of the 77541 zip code.

What makes Treasure Island real estate agents different?

A top real estate agent for Treasure Island possesses specialized knowledge that goes beyond typical residential sales. They understand the nuances of selling stilt-built, waterfront properties, including bulkhead integrity, flood insurance requirements (and how they affect buyers), and windstorm certification. The Houston Properties Team has a proven track record in coastal communities, with specific sales data demonstrating their ability to market these unique homes effectively. They leverage this expertise to highlight the lifestyle and recreational benefits of living on the San Luis Peninsula, attracting qualified buyers who are specifically seeking a coastal retreat.

Why choose Houston Properties Team for Treasure Island home sales?

Choosing the Houston Properties Team to sell your Treasure Island home provides a distinct advantage, backed by numerous accolades and a commitment to excellence. Their consistent high performance is recognized by major publications.

"#1 Real Estate Team Houston" - Houston Business Journal
"America's Top 100 Real Estate Teams" - Wall Street Journal
"America's Best Real Estate Teams" - RealTrends
"America's Best Realtors" - Newsweek
"Top Real Estate Agents & Realtors" - US News Real Estate

The value proposition offered by the Houston Properties Team translates into tangible results for sellers. Their metrics showcase a clear history of outperforming the market, which is particularly important when you want to "sell my home Treasure Island" for the best possible price.

43% higher sold price per square foot than average agents
7.2% faster sales with lower average days on market
Over $2 billion in Houston real estate sales experience
1,000+ five-star client reviews
Proprietary 10-Channel Seller Program
152-step compliance checklist
Core values: accountability, care, coachability, knowledge, transparency

For anyone looking for the "best realtor Treasure Island" or the "top real estate agent Treasure Island", the Houston Properties Team's performance speaks for itself. Their comprehensive marketing and rigorous process ensure every detail is managed, from staging to closing. To learn more about their strategy or to begin the selling process, contact Paige Martin at 713.425.4194 or [email protected].

More Details

Detailed Market Analysis and Investment Trends

The real estate market in Treasure Island is highly specialized, driven by its status as a coastal, second-home, and recreational destination. Property values are closely tied to location (beachfront vs. bayfront), view corridors, and structural integrity, particularly factors like bulkhead condition and elevation. The market is sensitive to broader economic conditions as well as specific factors like insurance costs and weather events. Investment trends show a consistent demand for well-maintained waterfront properties. The potential for short-term rental income is a significant driver for many investors, though this is subject to county regulations. Long-term appreciation is supported by the limited availability of coastal property. For those considering real estate as a financial tool, exploring strategies like a 1031 Exchange can be a viable way to manage investment property portfolios.

Complete Amenities and Recreation Guide

Recreation in Treasure Island revolves almost exclusively around the water. The community provides private boat ramps for resident access to West Bay, a popular area for fishing, kayaking, and watersports. A community-owned fishing pier is also available for residents. The Gulf-side beaches are the primary attraction, offering miles of shoreline for swimming, sunbathing, shelling, and surf fishing. The area is also part of the Great Texas Coastal Birding Trail, making it a prime location for birdwatching enthusiasts, especially during migration seasons. Nearby attractions include the San Luis Pass County Park and the Freeport Wetlands Bird Observatory. While there are no commercial amenities on the island itself, the towns of Freeport, Lake Jackson, and Galveston provide a full range of dining, shopping, and entertainment options within a 20-30 minute drive.

School District Information and Private School Options

Treasure Island is zoned to the Brazosport Independent School District (BISD), which serves a large portion of southern Brazoria County. The district received a 'B' rating from the Texas Education Agency in the most recent accountability reports. The designated school progression for Treasure Island residents is typically Freeport Elementary School, Freeport Intermediate School, and Brazosport High School. Brazosport High has earned multiple state distinctions for academic achievement in subjects like Math and Science, as well as for postsecondary readiness. The district offers a range of programs, including career and technical education pathways. For those seeking alternative education options, several private and charter schools are located in the nearby cities of Lake Jackson and Angleton, though transportation would need to be privately arranged.

Transportation and Commuting Details

Transportation in and around Treasure Island is entirely car-dependent. The main access route is the Bluewater Highway (County Road 257), which runs the length of the peninsula. The San Luis Pass Bridge connects the peninsula to Galveston Island, providing easy access to its amenities. To the southwest, the Bluewater Highway leads to Surfside Beach and Freeport. Commuting to major employment centers in Houston is substantial, typically taking 90 minutes or more, making it impractical for daily travel. Most residents work locally in the Freeport/Lake Jackson area, which is home to major petrochemical and industrial employers, or work remotely. There is no public transportation available in the immediate area.

Neighborhood Governance and Restrictions

Treasure Island is governed by two main bodies: the Treasure Island Municipal Utility District (TIMUD) and the Treasure Island Civic Association. TIMUD is a governmental entity responsible for providing essential services such as water and sewer, and it has the authority to levy taxes to fund these operations. The Civic Association is a community organization that works to maintain the quality of life in the neighborhood. It is responsible for enforcing deed restrictions, which include architectural guidelines for new construction and modifications, maintenance of properties, and other community standards. Prospective buyers should review the deed restrictions carefully, as they govern aspects like building materials, home size, and allowable activities on the property. These rules are in place to protect property values and ensure a consistent aesthetic for the community.

Historical Development and Architectural Styles

The San Luis Peninsula has a long history, first encountered by Spanish explorers in the 1500s. For centuries it remained sparsely inhabited, used primarily for ranching. The modern community of Treasure Island was established in the late 1960s by a development corporation. After facing financial hardship, the development was revitalized in the 1970s by property owners who formed a civic association and worked with the newly created TIMUD to manage the community's infrastructure. The architectural style is homogenous and dictated by the coastal environment. All homes are required to be built on stilts or pilings to elevate them above the base flood elevation. This results in a distinctive "beach house" aesthetic, with extensive decks and large windows to capture water views. Materials are chosen for their durability in a saltwater environment, with a focus on wind-resistant construction.

Environmental Considerations and Risks

Living in Treasure Island requires a profound respect for and awareness of the coastal environment. The community is located on a barrier peninsula and is highly exposed to tropical weather systems, including hurricanes and tropical storms. Storm surge is the most significant risk, and the area has experienced flooding during past events. All property owners are required to carry both flood insurance (through the National Flood Insurance Program) and separate windstorm insurance. The coastline is also subject to erosion, a natural process that can affect beachfront properties over time. Prospective residents should thoroughly research a property's elevation, its proximity to the shoreline, and its insurance history. Adherence to building codes designed for high-wind zones is not just a legal requirement but a practical necessity for protecting one's investment.

Local Area Zip Codes and Neighborhood Boundaries

The entire Treasure Island community falls within the 77541 zip code, which is assigned to Freeport, Texas. The neighborhood's boundaries are clearly defined by its geography. It is located on the San Luis Peninsula. To the northeast, the community ends near the San Luis Pass Bridge, which crosses over to Galveston Island. To the southwest, it is bordered by the community of San Luis. The Gulf of Mexico forms the southeastern boundary, and the West Bay of Galveston forms the northwestern boundary. The main thoroughfare is the Bluewater Highway, and all residential streets in the community branch off from this central road.

To learn more about making Treasure Island your home or to discuss selling your property, connect with the Houston Properties Team for a personalized consultation. Call Paige Martin at 713.425.4194 or email her at [email protected].

Frequently Asked Questions

Is Treasure Island prone to flooding?

Treasure Island, a coastal community, is situated on Galveston Bay. Residents should review flood zone maps and consider flood insurance.

What are property values like in Treasure Island?

Property values in Treasure Island reflect its waterfront location and access to the bay. Values vary based on property size, condition, and specific location.

What recreational opportunities exist in Treasure Island?

Treasure Island offers opportunities for fishing, boating, and beach activities, with access to the Gulf of Mexico.

Do homeowner association fees exist in Treasure Island?

Many properties in Treasure Island are part of a homeowner's association. These associations typically have fees and covenants that govern the community. Prospective buyers should review these documents.

How accessible is Treasure Island from nearby cities?

Treasure Island is located south of Galveston, accessible via San Luis Pass Road. Travel times to Houston vary depending on traffic conditions.

What types of properties are available in Treasure Island?

Treasure Island predominantly features single-story and multi-story homes. Many properties offer bay or canal views, with some including private docks.

“Brad and the Houston Properties Team are the real deal! Brad's attention to detail and organizational skills set him apart from other real estate agents I have worked with in the past. He was always available to answer our questions and provided timely updates throughout the home-buying process. As if that’s not even enough, he also offers his clients tickets to this Astros game! I highly recommend Brad to anyone looking for a knowledgeable, professional, and dedicated real estate agent.” - Brittany (Google Review)