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Live life on the Beach in this pretty little Gem! This 2-bedroom 2 bath condo with its open floor plan and HUGE PATIO is now adorned with (3) NEW 2026 SLIDING GLASS DOORS!! New Locks, Fully Insulated, Energy Sheild Hurricane Rated Impact Glass with brand new Sliding Screens that open with ease as you stroll on out to your very own paradise patio just steps from the beach and the ocean. This condo was also just adorned with a brand new 2026 A/C, top of the line with WIFI communicating thermostat and humidity control feature. There is beautiful newer Luxury Vinyl flooring throughout, a soft coastal paint palate, and lovely comfortable furnishings, fixtures and accessories throughout. This condo allows for the very best of entertaining with its nice open floor plan, HUGE PATIO, with ocean front views and only steps from the Beach! Choose to live Full time and make this your own private beach house or great investment to rent it out weekly or Full time. This building has its own private ocean front heated pool and beach walkover, there is also a magnificent Large Ocean Front Clubhouse w full kitchen, flat screen TV and Heated Pool, and Charcoal Grills out your back door. The West side has an Intracoastal Front Clubhouse/boat and fishing dock, Kayak Racks and a third smaller clubhouse with Heated Pool, Tennis, Pickleball, Volleyball, Basketball, and miles of beautiful walking and biking trails. The condo Fees include Water, Cable and Wi-Fi. THIS IS A MUST SEE.... BEST PRICED OCEAN FRONT CONDO .... Surf Club Fees are as follows, $712/month Condo, $145/month/Matanzas Shores Assoc (MSOA) $130/quarterly Wastewater Mgmt. (WWT) DONT MISS THIS DEADLINE!! TAKE ADVANTAGE OF THE NEW FLORIDA AMENDMENT 3!! BECOME A FLORIDA RESIDENT NO LATER THAN DECEMBER 31, 2026 AND REAP THE NEW HOMESTEAD EXMPTIONS.

Highlights

  • Residential
  • Condominium
  • Built in 1992
  • 0.34 Acre Lot
  • Waterfront
  • 4 days on Market

  • Bedrooms
    2
  • Bathrooms
    2
  • Year Built
    1992
  • Stories
    6.0
  • Architectural Style
    Mediterranean
  • Construction Materials
    Stucco, Block
  • Foundation
    Slab
  • Parking Features
    Open, Covered, Basement, Guest, Common
  • Living Area
    1158.0
  • Interior Features
    Eat-in Kitchen, Walk-In Closet(s), Elevator, Open Floorplan
  • Appliances
    Dryer, Dishwasher, Refrigerator, Washer, Range
  • Flooring
    Vinyl
  • Furnished
    Furnished
  • Exterior Features
    Other, Lighting, Tennis Court(s), Outdoor Grill
  • Patio And Porch
    Covered, Patio, Other
  • Pool Features
    Heated, In Ground, Private
  • Security Features
    Smoke Detector(s), Security Lights, Fire Sprinkler System, Fire Alarm, Gated Community, Security Gate
  • Cooling
    Central Air
  • Heating
    Electric, Central

  • Acres
    0.34
  • Lot Features
    Waterfront
  • Water Front Features
    Ocean Front, Beach Access, Beach Front
  • Water Front
    Yes
  • View
    Water
  • Utilities
    Cable Available, Other, Cable Connected, Electricity Connected, Sewer Connected, Water Connected, Phone Available
  • Water
    Public

  • Area
    32137 - Palm Coast
  • County
    Flagler
  • City
    Palm Coast
  • Neighborhood
    SURF CLUB BLDG 1
  • Zip Code
    32137

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Frequently Asked Questions

How do I schedule a tour of 104 Surfview Dr #1103?

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 #1103.

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 #1103?

Click Ask a Question to talk with our team. You already know it is a 2 bed, 2 bath, listed for $399,000. 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 do I get a virtual tour of 104 Surfview Dr #1103?

Yes! A virtual tour is available for 104 Surfview Dr #1103. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 104 Surfview Dr #1103?

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 #1103 at around $2,623. 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 #1103?

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 #1103?

In most cases, yes. Whether 104 Surfview Dr #1103 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 #1103?

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 $399,000 with 1,158 sqft of space—that comes out to approximately $345 per square foot.

How long has this property been on the market?

104 Surfview Dr #1103 was listed on November 10, 2026, which means it's been on the market for 4 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 #1103 sits on a 0.34-acre lot, which is 14,810 square feet.

What are the property taxes for 104 Surfview Dr #1103?

The most recent public record shows annual property taxes for 104 Surfview Dr #1103 were approximately $4,230. 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 104 Surfview Dr #1103 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 14, 2026 at 12:18AM | Source: Stellar MLS | MLS#: FC322555