
60 SURFVIEW DRIVE UNIT 122, PALM COAST, FL, 32137
Active58 days on marketListed May 28, 2026MLS #O6402999
About this home
60 SURFVIEW DRIVE UNIT 122
Location says it all! This stunning grand Mediterranean-style oceanfront condominium delivers the coastal lifestyle you’ve been dreaming of. As one of the area’s most sought-after communities, residents enjoy access to an impressive lineup of resort-style amenities. The sports club and condo facilities include tennis and pickleball courts, basketball, shuffleboard, volleyball, three pools, a fitness center, a fire pit, gas grills with a pavilion, a clubhouse, a library, plus an Intracoastal fishing dock with kayak storage and launch. Miles of scenic walking and biking trails wind through beautifully maintained, nature-filled surroundings. When you’re ready to unwind, retreat to this rare first-floor residence offering direct access to a lush green lawn and a convenient walkover to the Atlantic Ocean, just a few steps away. Inside, a bright and open floor plan is enhanced by newer appliances (2025), a newer HVAC system (2025), crown molding, granite countertops, and plantation shutters, blending coastal charm with everyday comfort. The open-concept living area is ideal for both everyday living and entertaining, anchored by a spacious kitchen featuring sleek, creamy cabinetry, granite countertops, and stainless steel appliances. The oversized primary suite offers a retreat, with windows framing sweeping views. Imagine starting your day with coffee on the private lanai as the sun rises over the Atlantic Ocean, with the sound of waves crashing on the surf. With a split-bedroom layout, a private second suite with a full bath provides a comfortable space for guests or family, while the third bedroom features a walk-in closet and a convenient half bath, adding flexibility and function to this thoughtfully designed layout. Come experience the beauty, comfort, and ease of true beachfront living. Whether for full-time living or a coastal getaway, this is an opportunity you won’t want to miss.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,640
Sqft
0.47 ac
Lot size
2
Garage
2004
Year built
One
Levels
$302
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.
$4,579 /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
$4,579/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
−19.7%
$/sqft vs Palm Coast actives
$302 vs $221
Days on market
58 vs 47 typical
Where $302/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 30% 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 122
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$601,995
60 SURFVIEW DRIVE UNIT 706 · same community
3 bd · 2.5 ba · 1,640 sqft · $367/sqft · 67 DOM
Sold · Mar ’26$640,000
60 SURFVIEW DRIVE UNIT 718 · same community
3 bd · 2.5 ba · 1,640 sqft · $390/sqft · 315 DOM
Sold · Feb ’26$680,000
60 SURFVIEW DRIVE UNIT 308 · same community
3 bd · 2.5 ba · 1,640 sqft · $415/sqft · 87 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 122 — 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 122 — 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 122 FAQs
What would the monthly payment be for 60 SURFVIEW DRIVE UNIT 122?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,579/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 122?+
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 122?+
The most recent tax bill on record (2025) was $6,725. 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 122?+
The listing reports pets: Cats OK, Dogs OK, 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 $494,900, this home is listed about 25% 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 122?+
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
$494,900 runs 30% 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.
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 $499,900, now $494,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Rita Phillips. MLS #O6402999.
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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