Selling Your Home in Lago Mar?

Market data

Lago Mar home values and market activity

HAR 2025 neighborhood facts

Source: HAR.com · HAR.com (HAR 2025 Facts, based on appraisal district records). Market and appraised values are not sale prices. HAR’s neighborhood boundary may not match the subdivision exactly.

Seller preparation

What Lago Mar buyers will ask, and what to have ready

1. Hurricane exposure, windstorm and flood insurance

   Lago Mar is in Galveston County, where Hurricane Ike made landfall near Galveston on Sept. 13, 2008 as a Category 2 storm with a destructive surge along the upper Texas coast. Because the county is in TWIA's catastrophe area, each home needs a windstorm certificate of compliance (WPI-8) to qualify for TWIA wind and hail coverage, and TDI's windstorm code follows the 2024 IRC and IBC as of April 1, 2026. Flood risk differs by lot, so the lot itself has to be checked.

   • Ask the builder or seller for the WPI-8 and look it up on TDI's site.
   • Ask for the elevation certificate, and price flood insurance even outside a high-risk zone.

   What buyers will do: Before you offer, check the lot on FEMA's map and get quotes for homeowners, windstorm and flood coverage.

   What to have ready: Your seller’s disclosure flood answers, any elevation certificate, your flood insurance declarations page and records of any claim, repair or mitigation work.

   Sources: FEMA Flood Map Service Center · TDI: TWIA overview · TDI: Do you need a windstorm inspection? · NWS: Hurricane Ike (2008)

2. Texas City, Dickinson ISD and the section's MUD

   Galveston CAD's 2025 sheet lists Galveston County at $0.32266 per $100, Dickinson ISD at $1.142, the City of Texas City at $0.478433, College of the Mainland at $0.2638, the county road and flood levy at $0.003 and the navigation district at $0.02374. The utility district depends on the section: Galveston County MUD 57 (Beacon Point) levied $0.90 in 2025 and MUD 58 (Lago Mar East) $0, and the west side's MUD and drainage district were not confirmed. School districts exempt $140,000 of a homestead's value, and a resale seller's bill is not yours.

   • The Lago Mar TIRZ does not add a separate rate to the bill.
   • Listings use Texas City, La Marque and Santa Fe addresses; the CAD record shows the real units.

   What buyers will do: Look up the lot on Galveston CAD and total every listed unit before you compare builders.

   What to have ready: Your latest tax statement with its list of taxing units and your exemptions. Buyers know their own bill will be figured on their own value and exemptions, so a clear breakdown helps.

   Sources: Galveston Central Appraisal District · Galveston CAD 2025 tax rates · Galveston CAD: Truth in Taxation · Texas Comptroller: homestead exemptions

3. Get the association's numbers in writing

   The Property Owners Association of Lago Mar governs the community; a 2020 news report named Associa Principal Management Group as manager. The association does not post its assessment, transfer fee or capital contribution, and the dues figures in news reports, builder brochures and listings do not agree. The same 2020 report described a landscaping plan rejection that led to a lawsuit, so expect the association to enforce its approval rules.

   • Ask whether lagoon access, gated sections or alarm service add separate charges.
   • Get the design guidelines before planning a fence, pool or landscaping change.

   What buyers will do: Request the resale certificate (or the builder's HOA disclosure) with the current assessment and all fees before the option period ends.

   What to have ready: The management company’s contact, an early order for the resale certificate for every association on the lot, and approval letters for exterior changes.

   Sources: Galveston County Daily News: 2020 HOA meeting · Lennar: Lago Mar brochure

Insurance and disclosures: buyers will price homeowners and flood insurance before they commit. Have your current declarations pages, any elevation certificate and any flood-claim history ready; Texas sellers also answer flooding questions on the seller’s disclosure notice (Texas Property Code §5.008). See our Houston flood map guide.