60 SURFVIEW DRIVE UNIT 209, PALM COAST, FL, 32137
Active111 days on marketListed Apr 3, 2026MLS #FC317359
Come see it
Upcoming open house
Sat, Jul 25
12:00 PM – 2:00 PM
About this home
60 SURFVIEW DRIVE UNIT 209
OCEAN FRONT LIFESTYLE awaits you at this stunning 3 bedroom, 2 bath, 1640 square foot condo. The Surf Club III is part of the Matanzas Shores Association, offering BOTH OCEAN & INTRACOASTAL ACCESS! Surf Club III recently passed the Structural Integrity Reserve Study with NO assessments, and the Association has healthy reserves and assets. Enjoy magnificent sunrise Ocean views from living, balcony and primary bedroom. You will witness the seasonal Right Whale migration path along with dolphins, pelicans and moonrises. This condo welcomes you in with that beautiful view beckoning right from the front door. Inside, you’ll find a meticulously maintained home with quality finishes, crown molding throughout and granite countertops. The primary suite is especially spacious and shares balcony access with the living space. Hurricane shutters will further your sense of peace and security. Surf Club offers virtually every amenity imaginable. Gated security, two libraries, 3 resort style heated swimming pools one of which is a lap pool, hot tub, fire pit, dancing waters/splash pad, a covered Pavilion for entertaining with a large screen TV, 4 gas grills, 3 clubhouses, a state of the art fitness center right in your building, lighted tennis and pickleball courts, volleyball, shuffleboard, bocce ball, basketball and a great Intracoastal fishing dock-pier where you can launch your own kayak plus miles of walking, biking and hiking trails. You also have access to 3 private boardwalks that give you immediate access to the ocean and the beach. Two underground parking spaces are also included. The Surf Club/Palm Coast location provides easy access to Daytona Beach, St. Augustine, Flagler Beach, Jacksonville and Orlando. This area on A1A is simply stunning on its own. From the Hammock Dunes to the Matanzas Inlet, explore many more beaches, enjoy Washington Oaks State Park, Bing’s Landing and Marineland all minutes away in addition to dining from funky and casual to refined – all one of kind and just a quick trip down the road. Schedule your private showing today and make this fabulous condo and location your own!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,640
Sqft
0.57 ac
Lot size
2
Garage
2004
Year built
One
Levels
$323
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.
$4,745 /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
$4,745/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
−16.7%
Days on market
111 vs 47 typical
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
$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 39% 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 60 SURFVIEW DRIVE UNIT 209 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 60 SURFVIEW DRIVE UNIT 209 — 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
60 SURFVIEW DRIVE UNIT 209 FAQs
What would the monthly payment be for 60 SURFVIEW DRIVE UNIT 209?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,745/mo — principal and interest, the actual property-tax bill, the $726/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 60 SURFVIEW DRIVE UNIT 209?+
The association fee works out to $726 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 60 SURFVIEW DRIVE UNIT 209?+
The most recent tax bill on record (2025) was $6,133. 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 60 SURFVIEW DRIVE UNIT 209?+
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 $529,000, this home is listed about 34% 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 60 SURFVIEW DRIVE UNIT 209?+
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
$529,000 runs 39% above the PALM COAST 32137 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $726/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
111 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
05Strong 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.
Listing courtesy of PALM WAVE REALTY · John Horan. MLS #FC317359.
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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