202 SURFVIEW LANE, PALM COAST, FL, 32137
Active552 days on marketListed Jan 17, 2025MLS #FC306492
About this home
202 SURFVIEW LANE
Stunning 5-Bed, 5-Bath Oceanfront Retreat – Live, Vacation, or Invest! Wake up to panoramic ocean views in this high-and-dry, 5-bedroom, 5-bathroom coastal gem. With 800 sq. ft. of covered porch, it’s perfect for entertaining, relaxing, or simply listening to the waves. There’s even room to add your dream pool! BONU!S access to two HOAs that feature pickle ball, tennis, pools and Intracoastal access and small boat storage! Whether you’re looking to live full-time, offset expenses, or rent it out, this property delivers unmatched versatility. Just minutes from Matanzas Inlet, Marineland, St. Augustine, Washington Oaks State Park, and Flagler Beach, you’ll enjoy the ultimate blend of luxury, convenience, and lifestyle.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,786
Sqft
0.22 ac
Lot size
2
Garage
2022
Year built
Three Or More
Levels
$606
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 and the real association fee — not generic estimates.
$15,556 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$15,556/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 505% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 202 SURFVIEW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 202 SURFVIEW LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
202 SURFVIEW LANE FAQs
What would the monthly payment be for 202 SURFVIEW LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,556/mo — principal and interest, the actual property-tax bill, the $115/mo association fee 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.
How much are the HOA fees at 202 SURFVIEW LANE?+
The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 202 SURFVIEW LANE?+
The most recent tax bill on record (2024) was $24,438. 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 202 SURFVIEW LANE?+
The listing reports pets: Yes. 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 $2,295,000, this home is listed about 481% 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 202 SURFVIEW LANE?+
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
Five things that matter here
01Positioned at the premium end
$2,295,000 runs 505% above the PALM COAST 32137 median — but at 3,786 sqft it's also nearly twice the size of the typical Palm Coast listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
552 days on market against a Palm Coast median of 47 — 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.
05The price has already moved
Listed at $2,900,000, now $2,295,000 — a $605K cut. The full history is in the market section below.
Listing courtesy of HAMMOCK REAL ESTATE GROUP · kris Hample. MLS #FC306492.
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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