204 Surfview Ln, photo 1
Active
1 / 58

Overview

5 bd5 ba3,412 sqft2 car garageSingle Family
TypeSingle Family
HOA$310/mo
Built2022
Lot7,971 sqft
Living area3,412 sqft
Price / sqft$644
Garage2 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Wood CabinetsStone Counters

204 Surfview Ln is a 2022-built home in Surview/Matanzas Shores, Palm Coast. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,412 square feet of living space. Listed at $2,199,000 (about $644/sqft), 582 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $310 monthly.

From the listing

SELLER MOTIVATED! DON'T MISS OUT! DIRECT OCEAN FRONT – NO FLOOD ZONE. Enter the home by way of the ground floor or ascend to the second floor where the impressive double front entry is located that leads you to the massive great room where your family and friends can gather. Open kitchen concept with center island, convection cooktop, double ovens, microwave drawer, refrigerator, butlers’ pantry and double beverage center, to name a few. Just beyond the kitchen is the guest master suite with its own entrance and covered veranda to watch the sun sets. From the main living space take in the breathtaking views of the Atlantic Ocean with covered porches or take a short stroll to the beach. The third floor master suite takes advantage of the ocean front panoramic views which stretch the entire length of the home, master bath with double vanities, walk in shower, private water closet and large walk-in closet with custom built ins. Two additional guest suites located on the 3rd floor along with a full bath and a large laundry room for easy access. Located on ground floor is the oversized large 5th bedroom which can also be utilized as either a bedroom or a recreation room with walk in closet, full bath and double doors that lead to the back yard. Oversized double car garage with plenty of space for storage. All bedroom closets have custom organized closet systems. This home comes with the ability to install your own ELEVATOR if you want one, or keep as extra storage till later. Solid wood interior doors throughout, custom window treatments outfitting some areas with blackout shades and remote controls, solid quarts surfaces throughout, upgraded designer lighting, fixtures and finishes, modern wood plank flooring. Spray foam insulation. Buried propane tank ready for your barbeque grill and hookups for your appliances. Tankless propane water heater, 3 HVAC zones, outdoor shower, landscaping and irrigation system. The finest appointments and expert craftsmanship are found throughout this stunning coastal style beach home located in one of the most sought-after locations of Matanzas Shores in Palm Coast, providing membership to the adjacent amenities that are included such as usage of the pool, beach club, rec center, boat club, boat dock, tennis and shuffleboard courts, horseshoe pits, volleyball, library. Easy access to nearby Marine Land, Hammock Dunes, St. Augustine, Flagler Beaches, golf courses, water sports, shopping and entertainment.

The essentials

Built
2022
Price / sqft
$644
On market
582 days
Annual tax
$23,532
HOA
$310/mo
Flood zone
X · Low risk
Lot
7,971 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Waterfront
Beach Front
Community pool
Shared amenity
2 car garage
Driveway
7,971 sqft lot
Lot size

Payment

Est. monthly payment
$14,840/mo
Down payment (20%)
$439,800
Property taxes
$1,961/mo
HOA
$310/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
7,971 sqft
Cooling
Central Air, Zoned
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Guest
Waterfront
Beach Front, Gulf/Ocean
Days on Market
582
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Window Treatments
Balcony
Lighting
Rain Gutters
Pool
Tennis Court(s)
Bar Fridge
Built-in Oven
Cooktop
Dishwasher
Disposal
Exhaust Fan
Gas Water Heater
Microwave
Range Hood
Refrigerator
Tankless Water Heater
Wine Refrigerator
Elementary
Old Kings Elementary
Middle
Indian Trails Middle-FC
High
Matanzas High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2024)
$23,532
Parcel #
37-10-31-3790-00000-0030

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Surview/Matanzas Shores
County
Flagler
MLS Area
32137 - Palm Coast
Lot Size
7,971 sqft
CoastalConstruction Control Line
HOA
$310/mo
LELAND MANAGEMENT - Patty Crum

Price history

Date
Event
Price
9/7/2025
Price change
Source: Stellar MLS #O6286926
$2,199,000-5.6%
$644/sqft
-
Price change
Source: Stellar MLS #O6286926
$2,329,900-7.9%
$683/sqft
3/8/2025
Listed for sale
Source: Stellar MLS #O6286926
$2,529,900
$741/sqft

Neighborhood

204 Surfview Ln
Palm Coast, FL, 32137 · 32137 - Palm Coast

Market insights

Offer Insights

Choose an offer strength

List price: $2,199,000
$2.17M – $2.20M
98.6% – 100% of listTops out right at the list price
80% of listList price
254 of the last 506 home closings in 32137 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 582 after a $330,900 cut.

Sample: 506 closed home sales in 32137 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$14,839/mo
Principal & interest$11,469
Property taxes$1,961
Insurance$1,100
HOA$310
Down payment20% · $439,800
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee 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

$2,199,000

$644 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,412 sq ft

Time on market

582 days

Year built

2022

Monthly payment

About $14,840/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $23,532 annual tax bill, insurance, and the $310/mo HOA fee.

HOA fee

$310/mo

Managed by LELAND MANAGEMENT - Patty Crum.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byA+ REALTY PROFESSIONALS, INCListing agent: Susan PinnockListing data from Stellar MLS, MLS# O6286926.

Keep exploring Florida

Pick up where you left off, or see what else is out there.