104 SURFVIEW DRIVE UNIT 2203, PALM COAST, FL, 32137
Active31 days on marketListed Jun 23, 2026MLS #FC319441
About this home
104 SURFVIEW DRIVE UNIT 2203
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.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,158
Sqft
0.36 ac
Lot size
1
Garage
1992
Year built
Three Or More
Levels
$411
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,564 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,564/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+23.3%
$/sqft vs Palm Coast actives
$411 vs $221
Days on market
31 vs 47 typical
Where $411/sqft sits among the 400 Palm Coast actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palm Coast
Get to know Palm Coast. See the full Palm Coast guide →
PALM COAST 32137 — neighborhood snapshot
Population
47,003
Median age
56.5
Median income
$78,731
Median home value
$360,600
Avg household
2.3
Households w/ children
3,437
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Coast market
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
177 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 104 SURFVIEW DRIVE UNIT 2203
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$450,000
104 SURFVIEW DRIVE UNIT 1504 · same community
2 bd · 2 ba · 1,158 sqft · $389/sqft · 12 DOM
Sold · Nov ’25$369,000
104 SURFVIEW DRIVE UNIT 2207
2 bd · 2 ba · 1,158 sqft · $319/sqft · 0 DOM
Sold · May ’26$435,000
104 SURFVIEW DRIVE UNIT 1403
2 bd · 2 ba · 1,158 sqft · $376/sqft · 336 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 104 SURFVIEW DRIVE UNIT 2203 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 SURFVIEW DRIVE UNIT 2203 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
104 SURFVIEW DRIVE UNIT 2203 FAQs
What would the monthly payment be for 104 SURFVIEW DRIVE UNIT 2203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,564/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 104 SURFVIEW DRIVE UNIT 2203?+
The most recent tax bill on record (2025) was $4,696. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 104 SURFVIEW DRIVE UNIT 2203?+
The listing reports pets: Size Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Palm Coast?+
At $476,000, this home is listed about 21% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 104 SURFVIEW DRIVE UNIT 2203?+
Matanzas High School (high), Indian Trails Middle School (middle), Old Kings Elementary School (elementary) — Flagler County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$476,000 runs 25% above the PALM COAST 32137 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Matanzas High School, Indian Trails Middle School, Old Kings Elementary School — Matanzas High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHRISTIE'S INTERNATIONAL REAL · Brian Sacks. MLS #FC319441.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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