The KO Realty Group The KO Realty GroupKelli Owens
Guides

The answers, in full.

No gated PDFs. No email required. Just the questions that cost people money, answered all the way down.

Galveston Landmark Commission — What You Can and Can't Change in a Historic District
Buying

Galveston Landmark Commission — What You Can and Can't Change in a Historic District

A plain-English breakdown of what the Galveston Landmark Commission actually reviews, what it doesn't, and how long approval takes before you buy a historic home on the island.

Galveston's 2026 Short-Term Rental Rules, Explained
Buying

Galveston's 2026 Short-Term Rental Rules, Explained

Galveston tightened its short-term rental ordinance effective January 2026 — registration, local-contact requirements, occupancy limits, and penalties. Here's what actually changed.

Zone X vs. Zone AE — What Flood Zone Actually Costs You on Galveston Island
Buying

Zone X vs. Zone AE — What Flood Zone Actually Costs You on Galveston Island

Almost every home on Galveston Island sits in some flood zone. Here's what Zone X, X500, and AE actually mean for your insurance bill and your mortgage requirements.

Is a 140-Year-Old House Insurable? Financing and Insuring a Historic Galveston Home
Buying

Is a 140-Year-Old House Insurable? Financing and Insuring a Historic Galveston Home

Historic homes are harder to finance and insure than typical resale properties. Here's what actually slows the process down on a historic Galveston purchase, and how to get ahead of it.

Galveston's Historic Tax Freeze — How a Rehab Gets You 10 Years of Frozen City Taxes
Buying

Galveston's Historic Tax Freeze — How a Rehab Gets You 10 Years of Frozen City Taxes

Galveston offers a 10-year city tax freeze to owners who substantially rehab a historic property. Here's how the program works and who actually qualifies.

Zone X, X500, and AE — What Your Flood Determination Actually Means
Buying

Zone X, X500, and AE — What Your Flood Determination Actually Means

Everything is in a flood zone. The question is which one, whether your lender will require insurance, and — since 2021 — whether the zone even affects your premium.

The HOA Says $684 a Year. Here's What That Number Doesn't Tell You.
Buying

The HOA Says $684 a Year. Here's What That Number Doesn't Tell You.

Annual dues are the least useful number in the packet. The resale certificate, the reserves, and the transfer fee are where the real answers are.

MUD, PID, LID — What They Cost You, and What They Actually Are
Buying

MUD, PID, LID — What They Cost You, and What They Actually Are

A MUD can add $362 a month to an identical house. Most buyers have never been told what these districts are, what they do, or that they're joining a government when they close.

Why the Square Footage Never Matches — CAD, Appraiser, and Floor Plan
Buying

Why the Square Footage Never Matches — CAD, Appraiser, and Floor Plan

Three sources, three numbers, and none of them are wrong. Here's what each one measures and which one your appraisal will use.