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Active

Active·97 days on market

104 Surfview Drive 2203

Palm Coast, FL 32137

$476,000$411/sqftEst. $2,427/moMLS# 2142588

Beds

Baths

1,158

Sq Ft

1992

Built

Garage

Pool

About this home

Palm Coast

Oceanfront living meets investment potential in this beautifully renovated 2BR/2BA condo in the gated Surf Club community. Enjoy breathtaking Atlantic views, brand-new flooring, and an updated kitchen with quartz countertops, white shaker cabinets, and modern finishes. The spacious owner's suite features two walk-in closets and a newly renovated walk-in shower (2026). The guest bedroom includes a queen bed and bunk beds, making it ideal for family getaways or vacation rental guests. Resort-style amenities include private beach access, 3 pools, tennis & pickleball courts, grilling areas, garage parking, kayak storage, and private access to the Matanzas River. Whether you're looking for a personal retreat, second home, or income-producing vacation property, this turnkey condo offers the ultimate Florida coastal lifestyle. HOA fees include water, basic cable, internet, and amenities.

Cost to own

Mortgage calculator

Home Price

$476,000

Down Payment: 20%

$95,200

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,427

Principal & Interest: $2,427

Insurance (est.): $317

Estimated Total Monthly

$2,744

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,427

HOAbilled monthly$712

Estimated total, before insurance$3,139/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone HUR

Check floridadisaster.org/knowyourzone for what this designation means locally.

Roof: material not specified — year not disclosed (home built 1992)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · FLA011599 - Matanzas Shores WWTF · Public water (record)

County records show this parcel on central sewer served by FLA011599 - Matanzas Shores WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,737 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Apr 29, 2026Listed$476,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$476,000

Price / Sq Ft$411

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,158

Acres0.36 acres

Year Built1992

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

Community Information

Address104 Surfview Drive 2203, Palm Coast, FL 32137

Area605-Flagler County North-Beach

SubdivisionSurf Club Condos

CityPalm Coast

CountyFlagler

StateFL

Zip Code32137

Lot Size15,681.6 sq ft

Parcel Number3710313731000002203

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Basketball Court, Beach Access, Car Wash Area, Clubhouse, Elevator(s), Gated, Pickleball, Security, Shuffleboard Court, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Community Structure, Covered, Garage, Parking Lot, Unassigned

ViewBeach, Ocean, Pool

Waterfront TypeOcean Access, Ocean Front, River Access

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air

FlooringLaminate

# of Stories1

LevelsOne

LaundryIn Unit

SecurityFire Alarm, Fire Sprinkler System, Gated with Guard, Secured Elevator, Security Gate, Smoke Detector(s)

Spa FeaturesIn Ground, Community