What it really costs to own in Florida.
Surf Club HOA fees
Palm Coast, Flagler County · 32137
Homes in Surf Club (Palm Coast) pay a median $8,544 a year in condo association dues, about $712 a month, based on 6 listings. Half fall between $8,544 and $10,040. None of the listings we reviewed report a CDD.
What the dues cover
- Cable TV100% of listings
- Pool100% of listings
- Maintenance Structure100% of listings
- Internet83% of listings
- Maintenance Grounds83% of listings
- Security83% of listings
Amenities listed: Clubhouse, Elevators, Gated, Pool, Security, Tennis Court(s).
83% of listings report a second association (often a master HOA). The figures above don't include that second fee, so the total can be higher.
Live inventory
For sale in Surf Club right now
9 active listings
Surf Club cost questions
How much are HOA fees in Surf Club?
Homes in Surf Club (Palm Coast) pay a median $8,544 a year in condo association dues, about $712 a month, based on 6 listings. Half fall between $8,544 and $10,040.
Does Surf Club have a CDD?
None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.
What does it cost each month to own in Surf Club, before the mortgage?
HOA and property tax come to about $1,117 a month at the medians (property tax median $4,859 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.
Where do these numbers come from?
Stellar MLS via Repliers listings in Surf Club from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.
Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 6 addressesin subdivisions matching “SURF CLUB”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Lakeside / Matanzas ShoresPalm Coast · HOA $304/yr
- Dupont EstatesPalm Coast · HOA $9,000/yr
- Beach HavenPalm Coast · HOA $3,142/yr
- Maritime EstatesPalm Coast · HOA $1,380/yr
- Sea ColonyPalm Coast · HOA $3,000/yr
- Conservatory / Hammock BeachPalm Coast · HOA $4,856/yr
- Hammock BeachPalm Coast · HOA $15,430/yr
- Hammock Beach ClubPalm Coast · HOA $18,854/yr
- NorthshorePalm Coast · HOA $12,190/yr
- SanctuaryPalm Coast · HOA $1,980/yr
- Ocean HammockPalm Coast · HOA $2,676/yr
- Matanzas LakesPalm Coast · HOA $2,280/yr
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