80 SURFVIEW DRIVE UNIT 103, PALM COAST, FL, 32137
Active89 days on marketListed May 6, 2026MLS #FC318261
About this home
80 SURFVIEW DRIVE UNIT 103
Experience coastal living at its finest in this beautifully updated 3-bedroom, 2.5-bathroom condo located in the desirable Surf Club II community within Matanzas Shores, Palm Coast, Florida. This spacious 1,640 sq. ft. first-floor unit offers easy access to the beach, pool, and all community amenities. It features thoughtful custom updates throughout, including solid surface counters, solid wood cabinets, ceiling fans, a primary bedroom on the main level with a walk-in closet, and modern finishes. Enjoy partial ocean views and the soothing sounds of the Atlantic from this quiet stretch of A1A. The unit is available for lease either FURNISHED or UNFURNISHED, includes two parking spaces (garage plus one additional), and has the convenience of an on-site manager. No pets are allowed. Matanzas Shores is a gated, oceanfront master-planned community offering an exceptional array of amenities. Residents enjoy direct private beach access with walkovers, multiple pools (including heated options in Surf Club II), hot tubs, a beachfront clubhouse with a large pool and cabana, tennis courts, pickleball courts, a fitness center, shuffleboard, bocce ball, and more. Additional highlights include Intracoastal Waterway access with a fishing pier, kayak storage, and boat facilities, along with walking/biking paths, 24-hour gated security, and beautifully maintained grounds. Located in a prime position along Florida’s coast, the property is approximately 25 miles south of St. Augustine (about a 30-40 minute drive), where you can explore historic sites, shops, and restaurants. It is also roughly 25-30 miles north of Daytona Beach (30-45 minute drive), known for its vibrant beaches, racing events, and entertainment options. Palm Coast itself provides a relaxed coastal lifestyle with convenient access to shopping, dining, and parks. This unit offers the perfect blend of space, comfort, and resort-style living in a secure, amenity-rich beachside community. Contact me today to schedule a showing or for more leasing details!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,640
Sqft
0.57 ac
Lot size
1
Garage
2003
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /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
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Palm Coast actives
$2 vs $219
Days on market
89 vs 52 typical
Where $2/sqft sits among the 400 Palm Coast actives
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
$355K → $360K
Palm Coast median sold, yr/yr
97.1%
Sale-to-list ratio (12 mo)
168 of 400
Palm Coast actives have cut their price
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 80 SURFVIEW DRIVE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$680,000
60 SURFVIEW DRIVE UNIT 308
3 bd · 2.5 ba · 1,640 sqft · $415/sqft · 87 DOM
Sold · Feb ’26$660,000
60 SURFVIEW DRIVE UNIT 803
3 bd · 2.5 ba · 1,640 sqft · $402/sqft · 7 DOM
Sold · Jun ’26$510,000
60 SURFVIEW DRIVE UNIT 105
3 bd · 2.5 ba · 1,640 sqft · $311/sqft · 123 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 80 SURFVIEW DRIVE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 80 SURFVIEW DRIVE UNIT 103 — 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
80 SURFVIEW DRIVE UNIT 103 FAQs
What would the monthly payment be for 80 SURFVIEW DRIVE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 80 SURFVIEW DRIVE UNIT 103?+
The listing reports pets: No. 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 $2,500, this home is listed about 99% below the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 80 SURFVIEW DRIVE UNIT 103?+
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
Four things that matter here
01Under the PALM COAST 32137 market on paper
$2,500 is 99% below the PALM COAST 32137 median of $383,175, and at $2/sqft it sits under the Palm Coast average of $262.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
04The price has already moved
Listed at $2,800, now $2,500 — a $300 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BETTER HMS & GARDENS RE SYNERG · Stephen Herold. MLS #FC318261.
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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