60 SURFVIEW DRIVE, #323, Palm Coast, FL, 32137 | $549,900

Under contract-accepting backup offers. Wake up to breathtaking, DIRECT OCEANFRONT VIEWS in this beautifully updated 3-bedroom, 2-bath third-floor condo, where coastal living meets comfort and convenience. From the moment you step inside, you’ll be drawn to the light-filled open layout featuring newer porcelain tile flooring (2020) and a seamless kitchen-to-family room design—perfect for both relaxing and entertaining.

The UPDATED KITCHEN is a standout, complete with sleek stainless steel appliances (2021), elegant stone countertops, and refreshed cabinetry (2022). Step out onto your private back balcony and take in uninterrupted, front-line views of the beach and ocean—your own peaceful retreat to enjoy morning coffee or sunset breezes. The spacious primary suite offers a true escape with a private en suite bathroom featuring dual sinks and a large walk-in shower, while the additional bedrooms provide comfort and flexibility with upgraded carpet and premium padding (2021).

Thoughtfully upgraded throughout, the home also features a new HVAC system with Daikin air handler and condenser (2021), an upgraded water heater with auto shut-off valve (2021), a professionally plumbed Frigidaire dehumidifier (2023), electric roller blinds in the living room (2023), plantation shutters in west-facing bedrooms (2023), and new roller blinds in the primary bedroom (2025). This unit also includes two dedicated parking spaces, adding everyday convenience to its long list of features.

Located in the sought-after, gated Surf Club community—the newest of the three buildings—you’ll enjoy resort-style amenities including ocean access via a private boardwalk, an Intracoastal day dock for fishing and sunset views, kayak storage and launch access, three pools, a spa, clubhouses, gas grills, a firepit, basketball court, and newly refurbished tennis and pickleball courts. A fully updated in-building gym and HOA-covered cable and water add even more value.

The building itself has undergone extensive improvements over the last 5 years, including a new roof, a completely resurfaced and waterproofed parking deck, upgraded elevators, a rebuilt beach walkover, enhanced Wi-Fi connectivity throughout common areas, upgraded breezeway flooring, a remodeled gym, structural concrete improvements, and updated lighting systems.

Whether you’re looking for a VACATION GETAWAY, an INCOME-PRODUCING INVESTMENT, or a low-maintenance coastal residence, this oceanfront gem checks every box.

Features

  • Elevator: Y
  • Heating: Central, Electric, Exhaust Fan, Heat Pump
  • Cooling: Central Air, Humidity Control
  • Levels: 8
  • Amenities: Basketball Court, Cable TV, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Security, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s), Vehicle Restrictions
  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Closet, Washer Hookup
  • Complex: SURF CLUB 03 CONDO
  • Year Built: 2004
  • Common Charge: $200 Quarterly
  • Approx Sq. Feet: 1,455
  • Acreage: 0.47
  • Est. Taxes: $3,244
  • Condo Fee: $726 Monthly
  • Lot Desc: CoastalConstruction Control Line, Conservation Area, Flood Insurance Required, FloodZone, In County, Irregular Lot, Landscaped, Near Golf Course, Near Marina
  • View: Tennis Court, Trees/Woods, Water
  • Water Front: Yes
  • Elem. School: Old Kings Elementary
  • Middle School: Indian Trails Middle-FC
  • High School: Matanzas High
  • Pet Policy: Number Limit, Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Ice Maker, Microwave, Range, Refrigerator, Washer
  • MLS#: O6403173
  • Days on Market: 6 days
  • Website: https://www.raveis.com
    /prop/O6403173/60surfviewdrive_palmcoast_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/22/2026 2:34:46 AM)
Listing courtesy of RE/MAX ASSURED   Phone: 800-393-8600

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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60 SURFVIEW DRIVE, #323, Palm Coast, FL, 32137

$549,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $439,920 $439,920 $439,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $270 $270 $270
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,709 $2,817 $3,683
Total Monthly Payment $3,071 $3,179 $4,045

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.