CENTURY 21 Edge
$642,9002 bd2 ba1,425 sqft$451 /sqft≈$4,380 /mo all-in ↓

80 SURFVIEW DRIVE UNIT 524, PALM COAST, FL, 32137

Active3 days on marketListed Oct 7, 2026MLS #FC321835

WaterfrontPrivate poolCondominiumSURF CLUB II CONDO

About this home

80 SURFVIEW DRIVE UNIT 524

What if your day began with the sun rising over the ocean? Welcome to Surf Club II, where this coveted fifth-floor end unit pairs southern exposure with beautiful natural light and sweeping views of the ocean and beach, bringing the coastal setting into everyday life. Completely transformed through an extensive 2025 renovation, the interior is refined and distinctly coastal. The beautifully redesigned kitchen features new cabinetry and countertops, along with new appliances including a GE Café induction and convection range, under-counter microwave, refrigerator, and cabinet-front Bosch dishwasher. Luxury vinyl plank flooring flows throughout the residence, while both bathrooms have been fully renovated with new tile, showers, vanities, countertops, fixtures, and finishes. Updated lighting and thoughtfully selected details complete the transformation, while a newer HVAC system installed in 2022 adds another meaningful improvement. Then there are the views. Imagine beginning the day with the sun rising over the ocean, the beach below, and the changing colors of the Atlantic filling the horizon. It is a view that never feels ordinary—and one of the defining advantages of this southern end-unit location. The building offers elevator access to the fifth floor and parking within the building’s garage. At Surf Club, the experience extends well beyond the residence with direct beach access, three heated pools, a hot tub, fitness center, tennis and pickleball courts, clubhouses, recreation areas, and Intracoastal amenities. From the ocean to the Intracoastal, there is no shortage of ways to enjoy life along the water. And the location may be just as compelling. Set along the Hammock coastline between Flagler Beach and historic St. Augustine, this stretch of Northeast Florida is known for its natural beauty and relaxed coastal character. Local restaurants, shopping, and golf at Hammock Beach Resort are nearby, while the future Ritz-Carlton Residences at Hammock Dunes bring another notable addition to the area. Morning sunrises by the ocean. Afternoons by the pool. Evenings taking in the sunset over the Intracoastal. Beautifully renovated, wonderfully positioned, and surrounded by the best of coastal Florida, this is more than an opportunity to own at Surf Club II. It is an opportunity to experience why this particular residence stands apart.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,425

Sqft

0.53 ac

Lot size

2003

Year built

One

Levels

$451

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Cooktop · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Smart Appliance(s) · Washer
InteriorCeiling Fan(s) · Elevator · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofMetal
ConstructionConcrete · Stucco
FoundationBlock
ViewWater
FacesWest
ParkingCovered · Ground Level · Guest · Open · Under Building
ExteriorBalcony · Fire Pit · Outdoor Grill · Outdoor Shower · Sidewalk · Tennis Court(s)

Community & fees

Taxes (2025)$6,119/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Gulf/Ocean Front · Intracoastal Waterway · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - Guard · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,380 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,469
PMI (est., until 20% equity)$241
Property tax — 2025 actual bill$510
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $64,290Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $64,290
Interest rate6.00%
Loan term

Estimated payment

$4,380/mo

Principal & interest$3,469
PMI (est., until 20% equity)$241
Property taxes (actual bill)$510
Est. insurance$160

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.

List $643K
$485KedgeAI estimate $561,110 · range $505K–$617K$669K

vs edgeAI estimate

+14.6%

$/sqft vs Palm Coast actives

$451 vs $216

Days on market

3 vs 73 typical

Where $451/sqft sits among the 400 Palm Coast actives

189
94
35
31
18
33 · this home
$156–213$213–269$269–325$325–382$382–438$438+

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

HighMatanzas High School★★★★★
MiddleIndian Trails Middle School★★★★★
ElementaryOld Kings Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Palm Coast market

Seller’s marketLeans seller — 4.7 months of inventoryBuyer’s market

$355K → $361K

Palm Coast median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

202 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 69% above the PALM COAST 32137 median. See the full Palm Coast market guide →

Paper trail

This home's history

Oct 7, 2026Listed at $642,900 · 3 days on market since
2003Built · SURF CLUB II CONDO

Reality check

What actually sold near 80 SURFVIEW DRIVE UNIT 524

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

80 SURFVIEW DRIVE UNIT 401Sold · Apr ’26

$570,000

80 SURFVIEW DRIVE UNIT 401 · same community

2 bd · 2 ba · 1,425 sqft · $400/sqft · 2 DOM

80 SURFVIEW DRIVE UNIT 611Sold · Jul ’26

$460,000

80 SURFVIEW DRIVE UNIT 611 · same community

2 bd · 2 ba · 1,398 sqft · $329/sqft · 97 DOM

80 SURFVIEW DRIVE UNIT 811Sold · Aug ’26

$553,000

80 SURFVIEW DRIVE UNIT 811 · same community

2 bd · 2 ba · 1,398 sqft · $396/sqft · 168 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.

Leila Sabat

Your agent

Leila Sabat

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 80 SURFVIEW DRIVE UNIT 524 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 80 SURFVIEW DRIVE UNIT 524 — before you fall in love.

See it in person

Schedule a tour

Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

80 SURFVIEW DRIVE UNIT 524 FAQs

What would the monthly payment be for 80 SURFVIEW DRIVE UNIT 524?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,380/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 80 SURFVIEW DRIVE UNIT 524?+

The most recent tax bill on record (2025) was $6,119. 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 80 SURFVIEW DRIVE UNIT 524?+

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 $642,900, this home is listed about 65% above the Palm Coast median of $389,990. The market section on this page shows how the area is trending.

Which schools are assigned to 80 SURFVIEW DRIVE UNIT 524?+

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

01Positioned at the premium end

$642,900 runs 69% 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.

03Fresh on the market

Only 3 days on market in a Palm Coast market that averages 73 — if it fits, move quickly.

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.

Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICE · Danielle Fraser. MLS #FC321835.

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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