# 545 Fm-2040, Tivoli, TX 77990 > **TL;DR:** 3bd/3ba single family, $1,425,000 ($680/sqft), built 2004, 2,096 sqft. > Fireplace, Waterfront, View, Hardwood. Est. $7,622/mo. Listed 62 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,425,000 | | Price/sqft | $680 | | Bedrooms | 3 | | Bathrooms | 3 full | | Square Feet | 2,096 | | Year Built | 2004 | | Lot Size | 217,800 sqft (5.00 acres) | | Stories | 2 | | Garage | 2-car | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 62 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed - **Views** - Water - **Hardwood Floors** - Hardwood flooring listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $7,206 | | Estimated Insurance | $416 | | **Total** | **$7,622** | ## Nearby Schools - **Elementary:** Tivoli - **Middle:** Tivoli - **High:** Tivoli ## Key Amenities - Fireplace - Waterfront - View - Hardwood - A/C - RV Parking - 2-car garage ## Property Highlights - Built in 2004 - 5.00 acre lot - 2 stories - Fireplace - Waterfront ## Description ### Agent Description Waterfront Paradise on San Antonio Bay! Welcome to your own slice of coastal heaven! Nestled on 5 scenic acres along the San Antonio Bay, this unique property boast pristine waterfront views, a private 200-ft pier, boat or jet ski entrance and a tranquil island surrounded by a catfish-stocked pond-perfect for outdoor enthusiasts and nature lovers alike. The spacious 3-bedroom, 3-bath main home features an open-concept design ideal for entertaining, a cozy fireplace, and a large loft(3rd bedroom) with two private balconies offering panoramic views of the bay and surrounding wildlife. The most recent update is the AC upstairs was replaced for piece of mind and comfort. Step outside onto the wraparound covered porch and soak in the peaceful coastal breezes and stunning sunsets. A recently built insulated 30x40 barn with two 12-ft automatic doors and a 30x12 awning provides ample space for storage, hobbies, or even a workshop. The property is equipped with a generator, a well house, and a 50-amp RV hookup for added convenience. Minutes from the Aransas National Wildlife Refuge. Renowned for world-class fishing, birdwatching, and abundant wildlife, this serene waterfront retreat is perfect as a full-time residence, vacation home, or investment opportunity. Discover the beauty and tranquility of bayfront living-schedule your private showing today! Office Comments: Appt only, most of the furniture items in the pictures have been removed but some remains 2 separate tax id's ## Location - **Address:** 545 Fm-2040, Tivoli, TX 77990 - **County:** Refugio - **Neighborhood:** JC SALBERG - **Coordinates:** 28.333418, -96.792298 - **Google Maps:** https://www.google.com/maps?q=28.333418,-96.792298 ## Virtual Tour & Media - **Video Tour:** https://www.propertypanorama.com/instaview/cor/480068 ## Listing Agent - **Name:** Melinda Borden · **License:** 0716885 - **Brokerage:** K&M Premier Real Estate - **Phone:** 3615497607 - **Broker Phone:** (361) 739-1396 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/545-2040_Tivoli_TX_77990_M91699-17847?f=listhub&s=CCARTX&m=480068&c=propsimple) ## Photos ![545 Fm-2040 - Photo 1](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f985973530r.jpg) ![545 Fm-2040 - Photo 2](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2942009015r.jpg) ![545 Fm-2040 - Photo 3](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f4102097296r.jpg) ![545 Fm-2040 - Photo 4](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1249189544r.jpg) ![545 Fm-2040 - Photo 5](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2320783137r.jpg) ![545 Fm-2040 - Photo 6](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1981572095r.jpg) ![545 Fm-2040 - Photo 7](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1174998698r.jpg) ![545 Fm-2040 - Photo 8](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2627838507r.jpg) ![545 Fm-2040 - Photo 9](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f4046561117r.jpg) ![545 Fm-2040 - Photo 10](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f3061275272r.jpg) ![545 Fm-2040 - Photo 11](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f4253026846r.jpg) ![545 Fm-2040 - Photo 12](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1730367144r.jpg) ![545 Fm-2040 - Photo 13](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f457600207r.jpg) ![545 Fm-2040 - Photo 14](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f968770765r.jpg) ![545 Fm-2040 - Photo 15](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f3571027951r.jpg) ![545 Fm-2040 - Photo 16](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1643258122r.jpg) ![545 Fm-2040 - Photo 17](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f3433553465r.jpg) ![545 Fm-2040 - Photo 18](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f4120170480r.jpg) ![545 Fm-2040 - Photo 19](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1352410629r.jpg) ![545 Fm-2040 - Photo 20](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2055214662r.jpg) ![545 Fm-2040 - Photo 21](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f817532993r.jpg) ![545 Fm-2040 - Photo 22](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1751267691r.jpg) ![545 Fm-2040 - Photo 23](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f3117482712r.jpg) ![545 Fm-2040 - Photo 24](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f1376714186r.jpg) ![545 Fm-2040 - Photo 25](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2780637227r.jpg) ![545 Fm-2040 - Photo 26](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f3537658158r.jpg) ![545 Fm-2040 - Photo 27](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2307382059r.jpg) ![545 Fm-2040 - Photo 28](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2667238678r.jpg) ![545 Fm-2040 - Photo 29](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2817804655r.jpg) ![545 Fm-2040 - Photo 30](http://lh.rdcpix.com/3959db8c88a01365ea1e2cfb087c083cl-f2765610299r.jpg) --- **MLS#:** 480068 | **Updated:** 2026-09-22 **Source:** listhub *Copyright © 2026 South Texas Multiple Listing Service, LLC. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://www.propertysimple.ai/listing/545-fm-2040-tivoli-tx-77990-x480068) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/545-fm-2040-tivoli-tx-77990-x480068#listing", "url": "https://www.propertysimple.ai/listing/545-fm-2040-tivoli-tx-77990-x480068", "name": "545 Fm-2040, Tivoli, TX 77990", "description": "Waterfront Paradise on San Antonio Bay! Welcome to your own slice of coastal heaven! Nestled on 5 scenic acres along the San Antonio Bay, this unique property boast pristine waterfront views, a private 200-ft pier, boat or jet ski entrance and a tranquil island surrounded by a catfish-stocked pond-perfect for outdoor enthusiasts and nature lovers alike. The spacious 3-bedroom, 3-bath main home features an open-concept design ideal for entertaining, a cozy fireplace, and a large loft(3rd bedroom) with two private balconies offering panoramic views of the bay and surrounding wildlife. The most recent update is the AC upstairs was replaced for piece of mind and comfort. Step outside onto the wraparound covered porch and soak in the peaceful coastal breezes and stunning sunsets. A recently built insulated 30x40 barn with two 12-ft automatic doors and a 30x12 awning provides ample space for storage, hobbies, or even a workshop. The property is equipped with a generator, a well house, and a 50-amp RV hookup for added convenience. Minutes from the Aransas National Wildlife Refuge. Renowned for world-class fishing, birdwatching, and abundant wildlife, this serene waterfront retreat is perfect as a full-time residence, vacation home, or investment opportunity. Discover the beauty and tranquility of bayfront living-schedule your private showing today! 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