104 SURFVIEW DRIVE UNIT 2503, PALM COAST, FL, 32137
Active425 days on marketListed Jun 5, 2025MLS #FC310242
About this home
104 SURFVIEW DRIVE UNIT 2503
This great direct Oceanfront, Furnished 5th Floor Condo is located on miles of untouched, natural beach. This unit has one of the largest balconies and southeast exposure. Relax with morning coffee with breathtaking views of the Atlantic Ocean and rocket launches or enjoy sunsets over the Intracoastal Waterway. Watch the waves from the primary bedroom, great room. Tile throughout and new sliding doors. All furnishings are less than 3 years old including all kitchenware and linens. The primary bedroom has sliding doors to the oceanfront balcony and an ensuite bathroom with a double vanity, walk-in shower with separate tub plus two walk-in closets. Second Bedroom has two twin beds. Amenities include 2 pools; one clubhouse pool and one oceanfront heated pool Tennis, pickle ball, shuffleboard, scenic walking trails, another pool, Intracoastal covered dock and clubhouse, kayak racks. This gates community 24-hour security and guarded gate and underground utilities. Weekly rentals are permitted in this Surf Club 1.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,158
Sqft
0.36 ac
Lot size
1992
Year built
One
Levels
$389
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.
$3,426 /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
$3,426/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
+19.4%
$/sqft vs Palm Coast actives
$389 vs $219
Days on market
425 vs 52 typical
Where $389/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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
168 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 17% 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 2503
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Mar ’26$450,000
104 SURFVIEW DRIVE UNIT 1504
2 bd · 2 ba · 1,158 sqft · $389/sqft · 12 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
Kerry Perro
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 104 SURFVIEW DRIVE UNIT 2503 — 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 2503 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kerry's phone and CRM.
Straight answers
104 SURFVIEW DRIVE UNIT 2503 FAQs
What would the monthly payment be for 104 SURFVIEW DRIVE UNIT 2503?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,426/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 2503?+
The most recent tax bill on record (2024) was $5,021. 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 2503?+
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 $449,900, this home is listed about 12% above the Palm Coast median of $399,950. The market section on this page shows how the area is trending.
Which schools are assigned to 104 SURFVIEW DRIVE UNIT 2503?+
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
Four things that matter here
01Positioned at the premium end
$449,900 runs 17% above the PALM COAST 32137 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
425 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
04Strong 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 PALM COAST FLAGLER BEACH REALTY · Scott Nieminen. MLS #FC310242.
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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