60 SURFVIEW DRIVE UNIT 510, PALM COAST, FL, 32137
Active101 days on marketListed Apr 14, 2026MLS #O6398686
About this home
60 SURFVIEW DRIVE UNIT 510
Experience elevated coastal living in this beautifully appointed 3-bedroom, 2.5-bath condo offering 1,640 square feet in the gated community of Surf Club III. From the moment you step inside, you’re immediately drawn to breathtaking, direct oceanfront panoramic views—where the Atlantic Ocean and sandy shoreline take center stage. Designed for both comfort and style, the open-concept floor plan seamlessly connects the kitchen, dining, and living areas, creating an ideal space for everyday living and entertaining. Gorgeous high-quality vinyl flooring runs throughout, while the kitchen features stainless steel appliances, granite countertops, abundant cabinetry, and a convenient dry bar with a wine refrigerator. The living room is filled with natural light, highlighted by a large sliding glass door that opens to stunning ocean views. The spacious primary suite offers a relaxing retreat with a large window overlooking the water and an en-suite bathroom complete with dual sinks and a walk-in shower. Surf Club III is known for its exceptional amenities, offering both oceanfront and Intracoastal access. Enjoy multiple pools, including oceanfront and a heated waterfall pool with spa, a private fitness center, clubhouse spaces, tennis and pickleball courts, and more. Take advantage of the Intracoastal day dock, fishing pier, kayak access, and scenic trails throughout the surrounding community. Ideally located just a short drive from St. Augustine, Flagler Beach, Ormond Beach, and Daytona Beach, this property offers the perfect balance of relaxation, recreation, and coastal convenience. Mortgage savings may be available for buyers of this listing.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,640
Sqft
0.57 ac
Lot size
2004
Year built
One
Levels
$408
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.
$5,247 /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
$5,247/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.
vs edgeAI estimate
+11.8%
$/sqft vs Palm Coast actives
$408 vs $222
Days on market
101 vs 47 typical
Where $408/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)
176 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 76% 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 510
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 510 — 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 510 — 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 510 FAQs
What would the monthly payment be for 60 SURFVIEW DRIVE UNIT 510?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,247/mo — principal and interest, the actual property-tax bill, the $871/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 510?+
The association fee works out to $871 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 510?+
The most recent tax bill on record (2025) was $4,259. 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 510?+
The listing reports pets: Number Limit, 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 $669,000, this home is listed about 69% 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 510?+
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
$669,000 runs 76% 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 $871/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
101 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.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Tammy Shaver. MLS #O6398686.
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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