60 SURFVIEW DRIVE UNIT 206, PALM COAST, FL, 32137
Active36 days on marketListed Jun 17, 2026MLS #FC319285
About this home
60 SURFVIEW DRIVE UNIT 206
This 3 bed 2-1/2 bath condo in Surf Club III is in excellent move in condition. Popular 1,640 sqft Captiva model with upgrades makes this a desirable unit. Only one owner. Tile plank floors in all living areas, operable single hung impact glass window in primary bedroom allows you to open and hear the waves and feel ocean breezes. Primary bedroom has its own en-suite bath, walk-in closet and ocean views. Great room has large impact sliding glass doors leading to balcony with ocean views for awesome sunrises. Kitchen upgrades include new cabinet door fronts, pullouts, improved non wire shelving, and more. 42" cabinets, an eat at bar with granite countertops make this a comfortable, functional kitchen. Newer appliances include fridge, dishwasher, washer and dryer. Both guest bedrooms are large and comfortable. 2 covered garage parking spaces and a storage unit included. Relax on the ocean view deck. Surf Club is a unique complex with fantastic amenities. It is located directly on the ocean but with Intra-coastal access as well. Take the boardwalk to the beach and you might have sea turtles swimming in the rock formations. Soft sand to stroll or relax in the sun. This pet friendly beach allows you to walk your dogs on the uncrowded beach. Swim in any of the any of the 3 pools, or use the fitness center. Take your bike or bring a kayak and head to the Intra-coastal clubhouse and dock for sunsets. Enjoy miles of salt flats to fish and explore by kayak. Walk on the miles of trails in the preserved wooded area. Located in North Flagler County you are close to St. Augustine and exciting Daytona. Nearby is convenient shopping at Publix, dining, boat ramps, miles of bike and walking trails, and of course the beach. Condo fees include Wind and Flood insurance, Pest Control, 24 hr gate, Cable, High Speed Internet, Water, 3 Pools, Tennis and Pickle Ball courts, Volley ball courts, Shuffle ball, several clubhouses, Fitness Center, Walking Trails, Library, Covered Garage Parking, Day Dock at ICW, and much more.
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
$332
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.
$4,231 /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
$4,231/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
−9.8%
$/sqft vs Palm Coast actives
$332 vs $221
Days on market
36 vs 47 typical
Where $332/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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
177 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 43% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
Reality check
What actually sold near 60 SURFVIEW DRIVE UNIT 206
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 60 SURFVIEW DRIVE UNIT 206 — 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 206 — 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 206 FAQs
What would the monthly payment be for 60 SURFVIEW DRIVE UNIT 206?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,231/mo — principal and interest, the actual property-tax bill, the $111/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 206?+
The association fee works out to $111 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 206?+
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 206?+
The listing reports pets: Cats OK, Dogs OK. 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 $545,000, this home is listed about 38% 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 206?+
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
Three things that matter here
01Positioned at the premium end
$545,000 runs 43% 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX SELECT PROFESSIONALS · Steven Chesnut. MLS #FC319285.
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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