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STUNNING OCEANFRONT PROPERTY! Whether you are looking for a private seaside sanctuary or a turnkey investment property, this unit delivers on every level. Completely reimagined, this 2 bedroom 2 bath condo has been transformed with high end premium finishes and upgrades that are too extensive to list. Hurricane impact sliders lead directly from both the main living area and the master bedroom to an oversized outdoor living space perfect for entertaining friends and family. Surf Club is located in the gated community of Matanzas Shores offering resort style amenities which include, 3 sparkling pools, private beach walkovers, 3 clubhouses, nature/walking trail, tennis/pickle ball courts, fishing pier with cleaning stations and covered gathering area, kayak storage, as well as on-site management. 7 night minimum short term rentals permitted. A comprehensive list of upgrades along with detailed rental rules & regs available upon request.

Highlights

  • Residential
  • Condominium
  • Built in 1992
  • 0.36 Acre Lot
  • $712/mo HOA
  • Waterfront
  • 12 days on Market

  • Bedrooms
    2
  • Bathrooms
    2
  • Year Built
    1992
  • Stories
    6.0
  • Construction Materials
    Stucco, Block, Concrete
  • Foundation
    Block, Slab
  • Parking Features
    Attached
  • Living Area
    1158.0
  • Interior Features
    Eat-in Kitchen, Walk-In Closet(s), Elevator, Built-in Features
  • Appliances
    Dryer, Dishwasher, Electric Water Heater, Microwave, Refrigerator, Washer, Range, Disposal, Ice Maker, Exhaust Fan, Wine Refrigerator, Bar Fridge
  • Flooring
    Ceramic Tile
  • Furnished
    Unfurnished
  • Exterior Features
    Lighting, Tennis Court(s), Outdoor Grill
  • Cooling
    Central Air
  • Heating
    Central

  • Acres
    0.36
  • Lot Features
    Waterfront
  • Water Front Features
    Ocean Front
  • Water Front
    Yes
  • View
    Water
  • Utilities
    Cable Available, Electricity Connected, Sewer Connected, Water Connected, Phone Available, Underground Utilities
  • Water
    Public

  • Area
    32137 - Palm Coast
  • County
    Flagler
  • City
    Palm Coast
  • Neighborhood
    SURF CLUB CONDO
  • Zip Code
    32137

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Frequently Asked Questions

How do I schedule a tour of 104 Surfview Dr #2106?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 104 Surfview Dr #2106.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 104 Surfview Dr #2106?

Click Ask a Question to talk with our team. You already know it is a 2 bed, 2 bath, listed for $479,000. We can talk through recent upgrades, potential seller motivation, how this condominium compares to others in Palm Coast, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 104 Surfview Dr #2106?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 104 Surfview Dr #2106 at around $3,156. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 104 Surfview Dr #2106?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Flagler County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 104 Surfview Dr #2106?

In most cases, yes. Whether 104 Surfview Dr #2106 is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Palm Coast's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 104 Surfview Dr #2106?

We can handle that for you. Our preferred local agent specializes in residentials in Palm Coast and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $479,000 with 1,158 sqft of space—that comes out to approximately $414 per square foot.

How long has this property been on the market?

104 Surfview Dr #2106 was listed on November 03, 2026, which means it's been on the market for 12 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1992, making it approximately 34 years old.

What is the lot size of this property?

104 Surfview Dr #2106 sits on a 0.36-acre lot, which is 15,682 square feet.

What are the property taxes for 104 Surfview Dr #2106?

The most recent public record shows annual property taxes for 104 Surfview Dr #2106 were approximately $5,165. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $712 paid monthly.

Is 104 Surfview Dr #2106 still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Stellar MLS. All rights reserved.

Last Updated: November 15, 2026 at 09:01AM | Source: Stellar MLS | MLS#: FC322525