204 SURFVIEW LANE, PALM COAST, FL, 32137
Active503 days on marketListed Mar 8, 2025MLS #O6286926
About this home
204 SURFVIEW LANE
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.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,412
Sqft
0.18 ac
Lot size
2
Garage
2022
Year built
Three Or More
Levels
$644
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.
$15,121 /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
$15,121/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.
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
$644 vs $221
Days on market
503 vs 47 typical
Where $644/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 479% 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 204 SURFVIEW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,450,000
7029 N OCEAN SHORE BOULEVARD
4 bd · 3.5 ba · 3,488 sqft · $416/sqft · 64 DOM
Sold · May ’26$680,000
8 LAUGHING GULL LANE
4 bd · 4 ba · 2,970 sqft · $229/sqft · 118 DOM
Sold · Aug ’25$1,050,000
5 BEACH HAVEN PARKWAY
4 bd · 3.5 ba · 2,883 sqft · $364/sqft · 354 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 204 SURFVIEW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 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
204 SURFVIEW LANE FAQs
What would the monthly payment be for 204 SURFVIEW LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,121/mo — principal and interest, the actual property-tax bill, the $310/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 204 SURFVIEW LANE?+
The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 204 SURFVIEW LANE?+
The most recent tax bill on record (2024) was $23,532. 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 204 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 $2,199,000, this home is listed about 457% 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 204 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
$2,199,000 runs 479% above the PALM COAST 32137 median — but at 3,412 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
503 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 $2,529,900, now $2,199,000 — a $331K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of A+ REALTY PROFESSIONALS, INC · Susan Pinnock. MLS #O6286926.
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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