80 SURFVIEW DRIVE UNIT 811, PALM COAST, FL, 32137
Active164 days on marketListed Feb 20, 2026MLS #FC316244
About this home
80 SURFVIEW DRIVE UNIT 811
Experience STUNNING penthouse living in this fresh and bright 8th floor condo available in the prestigious Surf Club Community in Palm Coast! Priceless Atlantic Ocean views await you in this gorgeous oceanfront condo just minutes from the Beach. Incredible morning sunrises and ocean views of the dolphins, sea birds, shrimp boats (and an occasional Right Whale) from your spacious kitchen, dining room, living room, master bedroom and private balcony and equally beautiful sunsets from your front door! This unit has a newer AC, Water Heater, LVP Flooring, new motorized Hurricane shutters, new Walkway windows, a new storm door, all new furniture throughout, all new GE appliances and a beautiful spacious island kitchen. Surf Club is one of the very few properties that offers BOTH Atlantic Ocean AND Intracoastal Waterway access with every amenity imaginable. Gated security, 2 libraries, 3 clubhouses, 3 resort styled heated swimming pools, a "splash pad" feature, a gorgeous pavilion entertainment area complete with large screen TV, 4 gas grills, a lovely, cozy Fire Pit and newly remodeled bathrooms. There is a great Fitness Center on the first floor, lighted tennis and pickle ball courts, basketball, volleyball, Bocci ball, shuffleboard along with a nice Intracoastal kayak/storage/launching area complete with a fishing dock and fish cleaning stations. Surf Club offers miles of hiking, biking and walking trails as well. You are not just purchasing a new condo...you are purchasing AN ENTIRELY NEW LIFESTYLE. LIVE EVERY DAY LIKE YOU ARE ON VACATION FOREVER!! Call NOW and don't miss this opportunity to view this amazing penthouse condo!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,398
Sqft
0.57 ac
Lot size
2
Garage
2003
Year built
One
Levels
$429
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.
$4,680 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,680/mo
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.
$/sqft vs Palm Coast actives
$429 vs $218
Days on market
164 vs 52 typical
Where $429/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)
168 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 57% 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 80 SURFVIEW DRIVE UNIT 811
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$400,000
80 SURFVIEW DRIVE UNIT 514 · same community
2 bd · 2 ba · 1,398 sqft · $286/sqft · 130 DOM
Sold · Jul ’26$460,000
80 SURFVIEW DRIVE UNIT 611 · same community
2 bd · 2 ba · 1,398 sqft · $329/sqft · 97 DOM
Sold · Apr ’26$570,000
80 SURFVIEW DRIVE UNIT 401 · same community
2 bd · 2 ba · 1,425 sqft · $400/sqft · 2 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 80 SURFVIEW DRIVE UNIT 811 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 80 SURFVIEW DRIVE UNIT 811 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
80 SURFVIEW DRIVE UNIT 811 FAQs
What would the monthly payment be for 80 SURFVIEW DRIVE UNIT 811?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,680/mo — principal and interest, the actual property-tax bill, the $579/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 80 SURFVIEW DRIVE UNIT 811?+
The association fee works out to $579 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 80 SURFVIEW DRIVE UNIT 811?+
The most recent tax bill on record (2025) was $5,750. 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 811?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $599,900, this home is listed about 50% above the Palm Coast median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 80 SURFVIEW DRIVE UNIT 811?+
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
$599,900 runs 57% 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 $579/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
164 days on market against a Palm Coast median of 52 — sellers in this position are usually ready to negotiate.
05Strong 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 HAMMOCK REAL ESTATE GROUP · David Heilman. MLS #FC316244.
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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