Overview
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About this home
104 Surfview Dr #2203 is a 1992-built home in Surf Club Bldg I, Palm Coast. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,158 square feet of living space. Listed at $476,000 (about $411/sqft), 115 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. Condo dues run $712 monthly.
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.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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Sample: 78 closed condo sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$476,000
$411 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,158 sq ft
Time on market
115 days
Year built
1992
Monthly payment
About $3,824/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,696 annual tax bill, insurance, and $712/mo in condo dues.
Condo dues
$712/mo
Managed by N/A.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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