104 SURFVIEW DRIVE UNIT 1608, PALM COAST, FL, 32137
Active685 days on marketListed Sep 19, 2024MLS #FC303958
About this home
104 SURFVIEW DRIVE UNIT 1608
Short term rental! Top Floor Oceanfront Penthouse property with wrap around balcony. This property is part of the beautiful Intracoastal & ocean front community of Matanzas Shores with many amenities for your complete enjoyment. Total of 3 Swimming pools, 2 ocean front resort style pools--1 of them are heated year round, tennis courts, shuffleboard, horseshoe pits and dock on the Intracoastal for fishing, boating and kayaking. Directly on the beach! Amazing!! This cozy and comfortable unit has tiled floors throughout. Beachy theme kitchen with modern appliances, enjoy the ocean view while you prepare meals. Complete with all kitchen electronics, dishes, pots & pans to satisfy your family chef. Breakfast nook in the kitchen with a dining table and 4 chairs. Primary suite with king size bed, extra couch, walk in closet and ensuite primary bath with his and hers vanities, large walk in shower and separate tub. You can enjoy gorgeous ocean views while laying in bed or access the balcony right from the primary suite. The 2nd bedroom has 2 Twin size beds and 3rd is a trundle (Twin size) with trundle use, 1 of the beds can be turned into a Queen size. Cozy living room with 50" Smart Flat screen TV complete with sofa and 2 chairs. Sliders overlooking the Ocean views and a large terrazzo balcony with chairs to sit around and enjoy a breathtaking view of the ocean. Sip your morning coffee and watch the dolphins playing in the surf or sip your wine overlooking a beautiful sunset. Both bedrooms have their own TV's. Wifi available throughout the unit. Washer & Dryer available in the unit for your use. Outdoor grilling patio is also available. There are miles of walking, biking and hiking trails. This community is centrally located in the northern peninsula of Palm Coast within minutes of historical St Augustine, famous Flagler Beach, Daytona Beach and a short drive to Orlando and Jacksonville. The price is off season and not available for May - August.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,263
Sqft
0 ac
Lot size
1992
Year built
Three Or More
Levels
$4
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.
$195 /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
$195/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
$4 vs $222
Days on market
685 vs 52 typical
Where $4/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)
183 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 104 SURFVIEW DRIVE UNIT 1608
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$369,000
104 SURFVIEW DRIVE UNIT 2207
2 bd · 2 ba · 1,158 sqft · $319/sqft · 0 DOM
Sold · May ’26$435,000
104 SURFVIEW DRIVE UNIT 1403
2 bd · 2 ba · 1,158 sqft · $376/sqft · 336 DOM
Sold · Mar ’26$450,000
104 SURFVIEW DRIVE UNIT 1504
2 bd · 2 ba · 1,158 sqft · $389/sqft · 12 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 104 SURFVIEW DRIVE UNIT 1608 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 SURFVIEW DRIVE UNIT 1608 — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
104 SURFVIEW DRIVE UNIT 1608 FAQs
What would the monthly payment be for 104 SURFVIEW DRIVE UNIT 1608?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $195/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 104 SURFVIEW DRIVE UNIT 1608?+
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 $4,800, 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 104 SURFVIEW DRIVE UNIT 1608?+
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
$4,800 is 99% below the PALM COAST 32137 median of $383,175, and at $4/sqft it sits under the Palm Coast average of $261.
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
685 days on market against a Palm Coast median of 52 — 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.
Keep looking
Similar homes nearby
Listing courtesy of VIRTUAL HOMES REALTY · Alina Pekarsky. MLS #FC303958.
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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