Lost Bayou Historic District · Galveston Island, Texas

1015 20th Street

$410,000 · 3 bed · 2 full + powder · 1,872 sq ft · Galveston ISD

Three bedrooms, near-equal. Two full baths up, powder down. The island questions, answered before you ask.

$149K cutOriginal $559K → $410,000
167 · 212 · 214Bedroom sizes in sq ft — near-equal
2 full + ½Two full baths up, powder down
2.0161%Total tax rate
InsuredFlood coverage in place
Who built it, and why

A widow, a fire, and a very good idea.

In the small hours of 13 November 1885, a foundry on the Strand caught fire with a north gale behind it. By daylight the flames had chewed a strip four blocks wide clear across the island, over Broadway and down to Avenue O, and the corridor between 19th and 20th Streets was inside it. Six hundred houses were gone. Fifteen hundred people had nowhere to sleep. And Phillipina Blum, a forty-year-old widow who made dresses for a living, was looking at a city that suddenly, badly, needed places to live.

She had earned the right to be unsentimental about fire. Born in Lampertheim, Germany, in 1845 and carried to Galveston as an infant, she was one of eight children of Michael W. Shaw, the watchmaker who opened the first jewelry store in Texas at Strand and 23rd in 1855, lost it to the great fire of 1869, rebuilt it, and went on to sell Sam Houston a walking cane studded with silver. Fires, in this family, were something you rebuilt after.

By January 1883 she was advertising in the Galveston Daily News as Mrs. Joseph Blum, Fashionable Dressmaker, from an upstairs room on Market Street. Six months later Joseph, a Swiss-born clothing clerk who as a young man had boarded in the household of Henry Rosenberg, died in Austin. Rosenberg, the banker whose name is still on the library, closed his bank for the afternoon out of respect — not a thing bankers do for clerks unless they mean it.

Seven weeks after the fire, on 3 January 1886, she bought the north half of this lot from a Mrs. Babette Levy. The insurance map drawn the year before shows the Blums living next door on the south half, with a corner grocery where this house now stands; the map drawn three years later shows her old lot empty and this one carrying two brand-new houses, the larger facing Avenue K and the smaller one facing 20th Street. The county booked them in 1887 as $2,500 in improvements. She did not move in. She built them to rent, and rent them she did for three decades, while she lived with her sister and brother-in-law on Broadway. An 1897 insurance record lists what a tenant got for the money: two stories, a metal roof, seven rooms, two halls, two closets, two brick chimneys, and a bathroom. In 1897 the bathroom was the headline.

In 1919 she gave the house to family. Her niece Mary Shaw Tiernan moved in with her husband Edward, who ran the sack-goods department at the Wheat Export Company, and their son, who sold clothing downtown. Edward died; Mary stayed. The directories list her here, alone, year after year, until 1960 — four decades of one family's Christmases under this roof. Phillipina, meanwhile, at seventy-three, having lost a husband and a neighborhood to fire, married a man who sold fire extinguishers for a living. Whether that was irony or insurance, the file does not say. She outlived him too, and died in August 1930 at eighty-four, at the Letitia Rosenberg Home for Aged Women — endowed by the same banker who had closed his doors for her first husband forty-seven years earlier. She is buried at Evergreen Cemetery, a charter member of the Daughters of the Confederacy, a stalwart of the St. Mary's Orphanage auxiliary, and the woman who put this house here.

All of that happened on a block that was, in 1886, a few hundred yards from open water. Hitchcock's Bayou, a brackish inlet off the Gulf, cut inland between 20th and 23rd Streets until the city filled it during the grade-raising that followed the Great Storm of 1900 — the deadliest natural disaster in U.S. history. Nearly 2,000 buildings on this side of the island were jacked up by hand, block by block, between 1904 and 1911, while a 17-foot seawall went in along the Gulf. A house built in 1886, standing in the raised zone, almost certainly went through that lift with its neighbors, which is part of why a 140-year-old house on this block still stands square. When the next big one hit in 1915, the seawall and the fill held, and the island lost 8 lives instead of thousands.

The neighborhood that grew back over the filled bayou took the name Lost Bayou. Locally designated a historic district in 1994 and expanded in 2004, it went onto the National Register of Historic Places in 2017 — 23 blocks of modest, well-built Victorian and early 20th-century homes between Broadway and Avenue M½. This house predates the district's name, the seawall, and the storm that caused both.

Houses like this one last because somebody, in every generation, decides they are worth the trouble. A widow with a plan in 1886. A family that stayed forty years. The owners who rebuilt both galleries, replaced the crawl enclosures, and kept a slate roof over the whole thing. It has sheltered people for a hundred and forty years, through the fire that made it necessary and the storm that remade the island around it, and it is standing here, square and painted, ready for whoever is next.

None of this is legend. It comes from a file compiled by Jami Durham, property historian at the Galveston Historical Foundation: city directories year by year, census pages, Sanborn fire-insurance maps from 1885 to 1950, the newspaper clippings, the deed notice, and her death certificate. It is posted here in full, and it is a better read than most novels set on this island.

If you've been looking on the island

You already know the questions.

Windstorm, flood, rental rules, historic review, parking. Every house on Galveston Island comes with the same list, and most listings make you ask. Here it is up front — the house first, the island below.

"Which bedroom is the primary?"
The smallest one, and it is upstairs. The primary measures 16'1" × 10'5", about 167 sq ft. The other two are 15'10" × 13'5" and 15'10" × 13'6", about 212 and 214. All three are on the second floor, along with both full baths. If you need a large first-floor suite, this is not that house. If you need three rooms nobody has to fight over — parents and adult kids, two couples splitting a beach house, roommates, or a rental where every bedroom books at the same rate — it is.
"Where are the bathrooms?"
Two full baths upstairs, a powder room down. The full baths measure 6'9" × 10'5" and 6'11" × 9'2". The powder room (2'8" × 5'2") sits off the entry hall, so guests never climb the stairs.
"What's on the first floor?"
An entry hall, living room, dining room, kitchen and powder room. The entry hall is 24'9" long. The living room (15'9" × 13'4") and dining room (15'9" × 13'3") share the same width and open to each other through a cased opening. The kitchen is 23'4" long and 10'5" wide, with an island, a gas range and a separate pantry. There are two staircases — one off the kitchen, one off the entry hall — which is part of why the layout splits so cleanly between households.
"Does it work as a rental?"
Whether it may be rented short-term is a city question; see below. Whether the floor plan works as one is answered above: three bedrooms of near-equal size, two full baths on the same floor as the bedrooms, and a kitchen that seats people at the island.
"How big is it?"
1,872 square feet, per the Galveston Central Appraisal District. That is the county's figure and it is the only one we quote. The lot is 1,829 square feet, about 0.042 of an acre, from the same record.

The reason we name the source rather than just a number: the eleven labeled rooms on the floor plan add up to one total, a measured plan gives another, and a prior listing may show a third. None of them is wrong. Quoting whichever is largest is how a buyer ends up feeling misled at the appraisal, so the number here will always be the county's. Why the numbers never match.
Floor plan

Every room, measured.

Eleven labeled rooms across two floors. Entry, living room, dining room, kitchen and powder room are down. All three bedrooms and both full baths are up. Note the two staircases: one off the kitchen, one off the entry hall, so the second floor is reachable two ways.

First floor plan: kitchen, dining area, living room, entry hall with two staircases, and powder room, with room dimensions
First floor
Second floor plan: primary bedroom, two secondary bedrooms, two full bathrooms and the stair hall, with room dimensions
Second floor
Entry
7'2" × 24'9" · 1st
Living room
15'9" × 13'4" · 1st
Dining area
15'9" × 13'3" · 1st
Kitchen
23'4" × 10'5" · 1st
Powder
2'8" × 5'2" · 1st
Hall
6'11" × 17'9" · 2nd
Primary bedroom
16'1" × 10'5" · 2nd
Bedroom
15'10" × 13'5" · 2nd
Bedroom
15'10" × 13'6" · 2nd
Bathroom
6'9" × 10'5" · 2nd
Bathroom
6'11" × 9'2" · 2nd

Room dimensions are from the listing floor plan and are approximate. Buyer should independently verify all measurements.

Walk the house

Why it's built the way it is.

Nothing in an 1886 Galveston house is decorative by accident. Every odd feature is an answer to heat, water, wind or fire. Here is the walk, and the reason for each thing you'll notice.

Start at the curb.

The house stands on brick piers, and you can see them at the base of the skirting. In 1886 that was simple sense: a floor held off the ground stays dry when the street floods, air moves underneath it in August, and a pier can be shimmed square when the island's sand shifts, which it does. That is why the living floor sits at 11.8 feet on the elevation certificate, and why the enclosure below it has flood openings rather than a solid wall. Water is meant to pass through, not push. The seller replaced those crawl enclosures; the piers are doing what they've done since Phillipina paid for them.

Look up.

Two galleries, one over the other, both rebuilt. A gallery is not a porch. It is the house's outdoor room and its awning at once: it shades the front wall so the rooms behind it never take direct sun, and on a still night in 1886 the upper one was where you slept. Above them, a hipped roof, pitched on all four sides so a hurricane finds no gable end to lift. On it, slate. After the 1885 fire the city had strong feelings about wooden roofs; the 1897 insurer noted this one as metal, and it is slate today. Neither burns. The brick chimney on the ridge is the last of the two the 1897 record counted.

The shutters are not for looks.

Every window carries a pair of louvered shutters that actually close. Closed and latched, they are the storm shutters the seller's disclosure lists. Closed on a July afternoon, they cut the sun and still let air through the slats. Open, they frame windows that run nearly floor to ceiling on the ground floor, two-over-two sash with both halves movable. Drop the top sash a few inches and hot air leaves; raise the bottom and cooler air comes in low. That is the whole air-conditioning plan of 1886, and it still works on the days you'd rather not run the mini-splits.

Through the front door.

The door has glass in it and a transom over it, and it opens onto a hall seven feet wide and twenty-five feet long that runs straight through the house. This is the side-hall plan, the island's favorite, and it is a wind tunnel on purpose. Open the front door and the back, and a Gulf breeze walks the length of the house without entering a single room. The main stair rises off this hall, and the powder room is tucked under it, in space that would have been a closet or nothing.

The transoms.

Over nearly every interior door there is a small window. That is a transom, and it is the cleverest thing in the house. Heat rises and pools at the ceiling; a transom lets it drift out of a room and down the hall even with the door shut for privacy. It also carries daylight into the hall, which in 1886 had no other source after dark but a lamp. They still pivot open, a hundred and forty years on. Leave them.

The ceilings, and the floors.

The ceilings run twelve feet and better, for the same reason the transoms exist: the higher the ceiling, the farther the hot air is from your head. Tall ceilings, tall windows and transoms are one system, not three features. Underfoot, the original wide pine boards, the wood this island was built out of, with the wear of a hundred and forty years in them. They were laid tight over the joists with air below, which is why a pier-and-beam floor feels different from a slab, and why it has lasted.

Living room, dining room.

Two rooms of almost the same size, joined by a cased opening wide enough to make one long room of them, with pocket doors that still slide out of the wall and meet in the middle. Closed, you heated one room in January. Open, you seated a table for twelve. Both rooms have windows on two walls because the house is only two rooms wide and sits on a corner: no room in it is more than one wall from outside air.

The kitchen, at the back.

Kitchens went at the back of a Victorian house, as far from the parlor as the lot allowed, because the kitchen was where the fire and the heat lived. This one still is, twenty-three feet long down the side of the house, with beadboard on the walls and ceiling, which was the practical wall finish of the day: cheap, paintable, and it shrugged off steam. The island, the gas range and the pantry are this century's. The transom over the back door is not.

The second stair.

In the back corner of the kitchen a narrower stair climbs directly to the primary bedroom. A grand house called that the servants' stair. In a rental house built by a widow, it meant a lodger could come down for coffee, or go up to bed, without walking through anyone's parlor, and it meant the person cooking could reach a sick child without crossing the house. Two stairs in 1,872 square feet is unusual. It is also the reason the second floor works as two separate worlds when you need it to.

Upstairs.

Three bedrooms and two baths off a hall that repeats the one below. The bedrooms connect to one another as well as to the hall, which is how Victorian houses managed air and family: doors open in summer, the breeze crosses the whole floor; doors shut in winter, each room holds its own warmth. Closets were an afterthought in 1886, so the ones here are later, and their louvered doors are there to keep what's inside from mildewing in island air.

The bath on the gallery.

The front bathroom has a clawfoot tub, beadboard wainscot, and a pair of shuttered doors that open straight onto the upper gallery. Those doors are the giveaway that this room began life as a front bedroom: the best room in the house, with its own door to the night air. Someone with taste turned it into a bathroom and left the doors. Open them, fill the tub, and you will understand the whole building.

Back down, and out the side.

The side gallery steps land on a brick walk and a brick patio, laid from the kind of brick the island paved itself with. The detached carriage house at the back, shared with the neighbor, sits where a back building always sat on a Galveston lot, in the alley. Stand here and look at the house from the side: clapboard, piers, shutters, galleries, hipped roof. It is a machine for living comfortably on a hot, wet, windy island before electricity, and it still runs.

The house

23 photographs, inside and out.

The particulars

The numbers, plainly.

Price
$410,000
Bedrooms
3, all upstairs
Baths
2 full up, 1 half down
Living area
1,872 sq ft*
Lot
1,829 sq ft*
Year built
1886†
Stories
2 — bedrooms up
Parking
½ of a golf cart carriage house
Heating / cooling
Central‡
Roof
Slate, no prior repairs†
Foundation
Pier & beam
Water / sewer
City of Galveston
Subdivision
Galveston Townsite
School district
Galveston ISD · Ball High
Total tax rate
2.0161%†
MUD / PID / LID
None
HOA
None
Flood zone
AE · panel 48167C0441G
Staircases
2
MLS #
64347865

* Square footage and lot size are from the Galveston Central Appraisal District. † Year built, roof type and tax rate are from the MLS record; the appraisal district attributes the 1886 build year to the seller rather than to its own records, and taxes without exemptions were $6,572 for 2022. The seller's disclosure lists the roof as slate with no previous roof repairs and marks its age unknown. ‡ The seller's disclosure marks central air conditioning and central heat without stating fuel type or unit count. Room dimensions are from the listing floor plan and are approximate. Buyer should independently verify all measurements. Why the appraisal district and the floor plan disagree.

Galveston Island

The island questions, answered.

This is not a suburban house and you are not a commuter. Whether you are buying a second home, a rental, or a place to live year-round, these six items decide whether the deal closes. They are answered here in the order they kill contracts.

1. "What about windstorm insurance?"
On Galveston Island, windstorm is a separate policy from flood, usually written through the Texas Windstorm Insurance Association (TWIA), and a missing windstorm certificate is the most common reason an island contract falls apart. Whether this house holds a current WPI-8 Certificate of Compliance: being confirmed. What the record does show: storm shutters, a slate roof of unknown age, and no known roof defects. The seller has never filed a damage claim of any kind other than flood, and has never been paid on a claim without doing the repair. No premium is quoted here; get your own quote from your own agent before you write an offer. On a house of this age the carrier will ask about roof age, electrical, plumbing and foundation before it asks about anything else. What underwriters actually flag on a historic Galveston home.
2. "What flood zone is it in?"
Zone AE. The property sits wholly inside the 100-year floodplain. That is a Special Flood Hazard Area, and it is the single most important fact on this page to underwrite, so it is not buried. The seller's disclosure marks the property as located wholly in a 100-year floodplain, and the 2019 survey carries the same note from the surveyor. With a federally backed mortgage, flood insurance is required here, not optional. AE is the one-percent-annual-chance zone and it comes with a published base flood elevation, which means an elevation certificate can be measured against a real number rather than guessed at.

What the seller discloses alongside that: present flood insurance coverage is in place. No previous flooding from a natural flood event. No previous water penetration into the structure from a natural flood. No claim ever filed under the National Flood Insurance Program. No FEMA or Small Business Administration flood assistance ever received. A house that has been standing on this corner since 1886 with none of those answers is worth more than a favorable zone letter on a newer build.

The specifics, so you can hand them to an insurer today: Zone AE, FEMA panel 48167C0441G, effective 15 August 2019, inside the Special Flood Hazard Area, community of Galveston. The parcel is not within 250 feet of a different flood zone, so there is no boundary argument to have with an underwriter and no obvious exposure to the line moving at the next map revision.

An elevation certificate exists, and it is posted here. Surveyed 17 February 2014 by Laurence C. Wall, RPLS 4814, of TLTS Inc., Galveston, under the map then in force (panel 485469 0026 E, effective 6 December 2002): Zone AE, base flood elevation 11.0 feet NAVD 88. The living floor measures 11.8 feet, which puts it 0.8 feet above base flood elevation. The enclosure beneath the house sits at 7.9 feet, 1,035 square feet with two flood openings totaling 3,000 square inches; the surveyor notes one wall is open with lattice only and the opposite apron has gaps, both of which let water pass through rather than push. Lowest adjacent grade 7.5 feet, highest 7.7, building diagram 6. On a pier-and-beam house in AE, a living floor above base flood elevation is the one fact that moves the premium most, and this house has it in writing.

Two things an underwriter will raise, so you hear them here first: the certificate predates the 2019 map, so ask the carrier whether the current panel's base flood elevation differs from 11.0 feet; and the form edition has since been retired, so some carriers will want the figures carried onto a current form. The house has not moved and the numbers have not changed, so a surveyor can re-certify from this one for far less than a fresh survey. Get a real quote during your option period rather than an estimate. What Zone X, X500 and AE actually cost you on the island.

Open the elevation certificate (PDF)
3. "Can I rent it short-term?"
The rules changed in January 2026, and they are stricter than the ones most listings still describe. The City of Galveston now regulates short-term rentals directly, having taken that authority from the Park Board. A short-term rental is any residential dwelling, or part of one, rented for fewer than thirty consecutive days.

What operating one now takes: annual registration at $250 per property, due 31 December, with a $500 late fee after that. A designated local contact reachable around the clock who can physically reach the property in roughly thirty to sixty minutes. Occupancy capped against bedroom count and the property's sewer capacity. Generally one off-street parking space per bedroom. Required guest information posted inside, flood-evacuation guidance included. Lodging tax runs 15% in total — 6% state, 9% local — on top of the fee. Airbnb and VRBO now have to display a valid Galveston Vacation Rental registration number and pull listings without one. Three violations at one property inside twelve months revokes the license.

Short-term rentals are permitted in every zoning district on the island except R-0. This parcel's classification is being confirmed with the city rather than assumed from the block: pending.

Read the parking requirement carefully before you underwrite rental income here. The city generally wants one off-street space per bedroom, which is three for this house. What conveys is a one-half undivided interest in a two-car garage and driveway shared with the house next door. If you are buying this as a short-term rental, settle that with the city in writing first, because it is the part of the ordinance this property is least likely to satisfy. Then underwrite against the full 15%, the annual fee and a real local-contact arrangement, not a nightly rate off a listing site. The 2026 rules in full.
4. "Is it in a historic district?"
Yes. Lost Bayou, one of Galveston's four locally designated districts, alongside East End, Silk Stocking and Strand/Mechanic. The house also carries a historic designation of its own: the seller's disclosure marks both "located in historic district" and "historic property designation", and the MLS record lists historic restrictions on the parcel. One thing is still open: where the parcel sits in the district's own grading — Contributing, Compatible, Non-Contributing or Intrusion — which is being confirmed with Development Services: pending. That matters for the tax freeze further down rather than for the review rules, which apply either way.

Here is what the designation actually means. The Landmark Commission reviews exterior work — additions, demolition, new construction, window and door replacement, anything visible from the street. Interiors are never reviewed, so a kitchen or a floor plan is yours to change with an ordinary building permit. Minor repairs, most fencing and rear decks are handled by staff at the permit counter rather than at a hearing. A full review runs four to six weeks, because the city notifies surrounding owners first, and the Commission meets the first and third Monday of the month. Plan exterior work around that calendar rather than discovering it afterward. What the Commission does and does not review.

The same designation carries an incentive that rarely reaches a listing: put at least 50% of the building's pre-improvement value into a qualifying rehabilitation, have the Commission and City Council approve it, and the City of Galveston freezes its portion of the property tax at the pre-improvement value for ten years. County and school district taxes keep billing on the new value. It applies to buildings classified Contributing or Compatible, and to individually designated Galveston Landmarks — and the seller has already disclosed a historic property designation on this one, which is the door into the program. How the tax freeze works.
5. "What are the taxes?"
2.0161%, and no MUD, PID or LID. Water and sewer come from the City of Galveston, so there is no utility district riding on top of the bill, and the property is not in a groundwater conservation or subsidence district either.

The part that catches buyers: the current owner claims both a homestead and an over-65 exemption, and neither of those transfers to you. Underwrite the unexempted figure, which the tax record puts at $6,572 for 2022, not whatever the current owner is paying. Ask your lender to escrow against the unexempted number in year one. What a MUD, PID or LID actually costs you.
6. "Where do I park?"
Half of a golf cart carriage house on the alley, and a shared drive. Nothing is attached to the house. The structure at the back is a two-car footprint, roughly twenty feet square on the survey, split down the middle so each of the two houses owns half. The seller discloses it as "one half of a 2 car garage and driveway", co-owned in undivided interest, and the survey draws the structure at the south property line rather than inside it. Each half runs roughly ten feet wide by twenty deep. A golf cart fits with room to spare. A full-size truck does not.

A garage on the alley is the island's oldest building pattern, not a workaround. Galveston was platted in 1838 with fourteen narrow lots to a block and twenty-foot alleys running down the middle of each one. Carriage houses, stables, quarters and later garages have filled those alleys and back lots since the city's first decades — enough of them that they have their own scholarly history in Ellen Beasley's The Alleys and Back Buildings of Galveston, and the city's historic design standards treat garages and alley houses as their own regulated building type. That twenty-foot alley is on the 2019 survey, running behind this lot. The lot is also a corner, so there is street frontage on two sides.

And on this island, that is the point. Golf carts are street legal in Galveston, on any road posted at 35 mph or less with no more than two lanes each way, once the cart is registered, inspected and plated with the city. That covers the historic districts, the numbered streets, and Seawall Boulevard from 6th to 61st — which is to say the beach, the Strand, and most of what you would drive to anyway. A carriage house that holds a cart is not a consolation prize here. It is the way a lot of the island actually gets around. Whether that half-interest is recorded, and how the two households actually divide it, is being confirmed: pending. If you are counting on three off-street spaces for a rental, read the short-term rental answer above first.
Seller's disclosure

Every page, as the seller filled it out.

All six pages, exactly as the seller filled them out and signed them on 28 July 2023. Read it before you visit rather than after. Everything below is drawn from it; nothing is softened.

Come see it

Bring your agent, or come by yourself.

Kelli Owens

Texas REALTOR® · The KO Realty Group

TREC License #616346

281-650-7592

kelli.owens@thekorealtygroup.com

The Sears Group

Licensed Texas Real Estate Broker · TREC License #9008344

Christopher Sears, Designated Broker · TREC License #457682

713-357-0068

sell@searsgrp.com

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