80 SURFVIEW DRIVE UNIT 809, PALM COAST, FL, 32137
Active1 days on marketListed Aug 15, 2026MLS #FC320616
About this home
80 SURFVIEW DRIVE UNIT 809
If you are seriously considering purchasing an ocean front condo, then you MUST take the time to visit this property! Experience STUNNING "penthouse" living in this lovely 8th floor unit where every detail reflects sophistication and quality. Situated in the prestigious Surf Club Community in Palm Coast, this beautiful 3 bedroom/2.5 bath condo literally HAS IT ALL! Amazing sunrises over the Atlantic Ocean await you in the morning and breathtaking sunset views over the Intracoastal Waterway entertain you every evening. Dolphins, sea birds, shrimp boats (and an occasional Right Whale) can always be seen from your kitchen, dining room, living room, master bedroom and your spacious balcony! Within the last 5-6 years this unit has had a new A-C, Water Heater, new Luxury Vinyl Plank Flooring, hurricane shutters, ceiling fans, freshly painted throughout, new storm door, all new kitchen appliances and so much more have been upgraded in this beautiful 1640 square foot condo. Surf Club is one of the very few communities that offers you BOTH Atlantic Ocean AND Intracoastal Waterway access with virtually every amenity imaginable. Gated security,2 libraries, 3 resort style heated swimming pools, hot tub, splash pad/dancing waters feature, 4 gas grills, a lovely cozy fire pit, newly remodeled bathrooms at the pool, 3 clubhouses and a beautiful covered pavilion entertainment area complete with a large screen TV are all just waiting for your arrival! There is a large fishing dock/kayak launching pier complete with fish cleaning stations at your Intracoastal Waterway access. There is also a Fitness Center in your building and lighted tennis and pickle ball courts, bocce ball, volleyball and basketball courts and shuffleboard as well as miles of scenic walking/hiking/biking trails throughout the area. WELCOME TO PARADISE AND LIVE EVERY DAY LIKE YOU ARE ON VACATION FOR THE REST OF YOUR LIFE!!!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,640
Sqft
0.57 ac
Lot size
2
Garage
2003
Year built
One
Levels
$381
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.
$4,861 /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
$4,861/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.
vs edgeAI estimate
+5%
Days on market
1 vs 49 typical
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)
Median sold price, Palm Coast, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% above the PALM COAST 32137 median. See the full Palm Coast market guide →
Paper trail
This home's history
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
Krisyalie Figueroa
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 80 SURFVIEW DRIVE UNIT 809 — 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 809 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Krisyalie's phone and CRM.
Straight answers
80 SURFVIEW DRIVE UNIT 809 FAQs
What would the monthly payment be for 80 SURFVIEW DRIVE UNIT 809?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,861/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 809?+
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 809?+
The most recent tax bill on record (2025) was $6,186. 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 809?+
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 $625,000, this home is listed about 56% 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 809?+
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
$625,000 runs 65% above the PALM COAST 32137 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
04Fresh on the market
Only 1 day on market in a Palm Coast market that averages 49 — if it fits, move quickly.
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.
Listing courtesy of HAMMOCK REAL ESTATE GROUP · David Heilman. MLS #FC320616.
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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