104 SURFVIEW DRIVE UNIT 2204, PALM COAST, FL, 32137
Active169 days on marketListed Feb 14, 2026MLS #TB8475310
About this home
104 SURFVIEW DRIVE UNIT 2204
Experience the best of Florida's Atlantic Coast from this beautifully updated oceanfront residence, perfectly positioned on the second floor with sweeping views of the private pool, pristine beach, and the Atlantic Ocean. This spacious two-bedroom, two-bathroom condominium is offered fully furnished and move-in ready, making it an ideal holiday home, winter escape, permanent residence, or investment property. The generous primary suite features dual walk-in wardrobes, while the modern kitchen boasts granite worktops, stainless steel appliances, a large pantry, and a bright breakfast area. One of the home's standout features is the expansive private balcony—perfect for al fresco dining, entertaining, or simply enjoying spectacular sunrises over the ocean. The bathrooms have been tastefully renovated, with thoughtfully installed grab bars for added comfort and accessibility. This gated community has access to 3 pools, tennis courts, pickle ball, shuffleboard and 3 clubhouses. Included also is access to the Intracoastal Waterway with nature trails, and a dock for fishing. Kayak storage is also available at an additional cost. Ideally located along Florida's iconic A1A Coastal Highway, the property sits midway between two of the state's most celebrated destinations—historic St. Augustine,20 miles to the north,is the oldest continuously inhabited European-founded city in the United States, and the world-famous Daytona Beach is 20 miles to the south. Orlando's renowned theme parks, including Walt Disney World®, Universal Orlando Resort, and SeaWorld®, are within easy reach for day trips, while Jacksonville International Airport and Orlando International Airport provide convenient connections to Europe and major international destinations. Whether you're seeking year-round sunshine, miles of unspoiled beaches, world-class golf, boating, fishing, nature, or easy access to Florida's most famous attractions, this exceptional oceanfront property offers an outstanding opportunity to embrace the relaxed coastal lifestyle that draws visitors from around the world.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,158
Sqft
0.36 ac
Lot size
1
Garage
1993
Year built
Three Or More
Levels
$353
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.
$3,105 /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
$3,105/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−2.5%
$/sqft vs Palm Coast actives
$353 vs $218
Days on market
169 vs 47 typical
Where $353/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
$353K → $373K
Palm Coast median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
167 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 8% 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 104 SURFVIEW DRIVE UNIT 2204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$435,000
104 SURFVIEW DRIVE UNIT 1403 · same community
2 bd · 2 ba · 1,158 sqft · $376/sqft · 336 DOM
Sold · Apr ’26$7,500,000
9111 Collins Ave # 914, Surfside FL 33154 · same community
2 bd · 2.5 ba · 1,797 sqft · $4,174/sqft · 104 DOM
Sold · Aug ’25$9,175,000
9111 Collins Ave # 1013, Surfside FL 33154 · same community
1 bd · 2.5 ba · 1,823 sqft · $5,033/sqft · 105 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 104 SURFVIEW DRIVE UNIT 2204 — 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 2204 — 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
104 SURFVIEW DRIVE UNIT 2204 FAQs
What would the monthly payment be for 104 SURFVIEW DRIVE UNIT 2204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,105/mo — principal and interest, the actual property-tax bill, the $145/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 104 SURFVIEW DRIVE UNIT 2204?+
The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 104 SURFVIEW DRIVE UNIT 2204?+
The most recent tax bill on record (2025) was $2,540. 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 104 SURFVIEW DRIVE UNIT 2204?+
The listing reports pets: Cats OK, Size Limit, 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 $409,000, this home is listed about 4% above the Palm Coast median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 104 SURFVIEW DRIVE UNIT 2204?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
169 days on market against a Palm Coast median of 47 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $439,000, now $409,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VPR UNITED REAL ESTATE · Susan Thompson. MLS #TB8475310.
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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