Surf Club
Homes for Sale in Palm Coast, FL
True comps, carrying-cost math, and listings before the portals.
Surf Club Condos is a community in Palm Coast, Flagler County, FL (ZIP 32137). Across Palm Coast as a whole, 93 homes closed in the last 12 months at a median of $450,000, 118 median days on market, with 30 homes for sale today. At that median and Flagler County's FY2025-26 rate of 14.65 mills, annual property tax runs about $6,590 ($6,010 with the full homestead exemption).
Surf Club Condos sits on the Palm Coast oceanfront, which means pricing hinges entirely on floor level, direct ocean view versus partial or obstructed sight lines, and whether the unit has been renovated. Condition spread in older beachfront buildings can be enormous—some owners have gutted to the studs and installed chef kitchens and spa baths, while others are original finishes from the build date. Without recent sale data in hand, expect your offer conversation to focus heavily on comps from similar units and the seller's upgrade documentation.
The condo format makes this a lock-and-leave proposition: no yard, no exterior maintenance, an HOA that handles the pool, grounds, and building envelope. That appeals to second-home buyers and retirees who want beach access without landscaping bills, but it also means every buyer underwrites the association financials. Ask for reserve studies, special-assessment history, and delinquency rates before you write an offer—structural work on a mid-rise oceanfront building is expensive, and you own a share of that liability.
Nearby homes for sale
No active listings inside Surf Club Condos right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Surf Club Condos is an oceanfront mid-rise in Palm Coast, Flagler County, delivering direct beach access and lock-and-leave ownership with no yard to manage.
DBAAR sales records identify 9 homes in Surf Club Condos that have changed hands since 2011, built between 1992 and 2004 (median 2003), with a median living area of about 1,455 sq ft and a typical 2-bedroom, 2-bath layout; 100% are condominiums. Source: DBAAR closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Surf Club is best for.
Best for
- Second-home buyers who visit seasonally and want beach access without yard work or exterior upkeep.
- Buyers who prioritize ocean views and walkable beach life over square footage.
- Investors comfortable with short-term rental regulations and condo-financing constraints, targeting seasonal demand.
Probably not for
- Buyers who need a garage, private yard, or ground-floor entry—this is vertical living with shared walls and elevators.
- Anyone unwilling to read HOA financials or absorb the risk of special assessments for building repairs.
- First-time buyers stretching their budget; insurance, HOA dues, and reserve uncertainty make this a poor choice if you are already at your ceiling.
The market around Surf Club
Surf Club is too small for its own price trend, so here is the market around it.
In ZIP 32137, 705 homes are on the market and 23% are under contract — a steady corner of Palm Coast.
Across Flagler County, 1,268 homes are active and 370 pending (23% under contract).
In ZIP 32137 (Palm Coast), 204 homes closed in the last 12 months at a median of $301K ($173/sq ft), down 1.2% year over year, with a median 60 days on market. Right now 40 active and 23 pending listings put supply at about 3.6 months — a balanced market. See the live ZIP 32137 housing market and the Flagler County market.
ZIP and county figures describe the wider market, not Surf Club specifically. Momentum Research analysis of MLS records.
Surf Club by the numbers
From county property records and closed MLS sales for the Surf Club subdivision: 24 homes on record; built 1992–2004; typical size about 1,455 heated sq ft; 3 bedrooms is the median. Housing mix: condo 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2017 | 1 | $375,000 |
| 2018 | 2 | $334,500 |
| 2020 | 8 | $359,500 |
| 2021 | 7 | $415,000 |
| 2022 | 4 | $525,000 |
| 2026 | 1 | $490,000 |
Newest recorded sale: $490,000 on 2026-03-26.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
How far is everything?
Everyday stops around Surf Club are close: the nearest groceries is about 4 minutes away.
- WORLD PLATE Market · Groceries4 min
- Debra Jean's · Coffee4 min
- Captain's BBQ · Dining5 min
- MalaCompra Park · Parks7 min
- Mall · Shopping14 min
- AdventHealth Medical Plaza · Health19 min
Approximate drive times via Mapbox Search + Directions, 2026-07-03. Verify for a specific address.
Nearby Communities
Explore more neighborhoods near Surf Club with Momentum Realty’s local guides.
Schools
- Flagler County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Old Kings Elementary (Flagler, verify by address)FLDOE grade A · Public K-5
- Indian Trails Middle (Flagler, verify by address)FLDOE grade A · Public 6-8
- Matanzas High (Flagler, verify by address)FLDOE grade A · Public 9-12
- Imagine School at Town Center, Palm Coast · Public charter K-8
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year and can change; always confirm with Flagler County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Surf Club address.
The Surf Club buying strategy.
If we were buying in Surf Club today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Surf Club.
Oceanfront condo life in Palm Coast
Palm Coast stretches along miles of Atlantic coastline, and Surf Club Condos occupies a beachfront parcel with immediate sand access. The building itself is mid-rise—high enough for sweeping water views from upper floors, low enough that you are not waiting five minutes for an elevator during peak season. Units vary in size and layout; some are one-bedroom investor units, others are larger two- and three-bedroom floor plans that work for full-time coastal living or extended snowbird stays.
MLS records show no community-specific amenities beyond what a typical beachfront condominium provides: a pool, perhaps a clubhouse or fitness room, and assigned or deeded parking. The real amenity is location—you walk out the lobby and onto the beach. That proximity commands a premium, and it also means hurricane preparation is part of the ownership equation. Check your insurance quote before you fall in love with a view.
The condo-hotel hybrid market can blur lines in some Florida beach towns, but Surf Club Condos reads as traditional residential ownership. You will have an HOA fee that covers building insurance, common-area maintenance, and reserves for roof, facade, and mechanical systems. Read the budget closely: older buildings near salt water require constant attention, and a low monthly fee today can mean a special assessment tomorrow if reserves are underfunded. Ask your agent to pull the most recent financials and minutes from the board—transparency here separates a well-run association from a headache.
The location and the amenities are priced into every listing in Surf Club. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
Surf Club Condos demands an agent who understands condominium due diligence and coastal market nuance. Momentum will pull HOA documents, review reserve schedules, confirm rental restrictions if you plan to lease the unit, and identify which floors and stack positions command premiums. We will also walk you through windstorm insurance reality—oceanfront coverage is expensive and sometimes hard to place—and connect you with a lender experienced in condo financing, because not all units in every building qualify for conventional loans. If you are selling, we know which improvements return money and which are personal taste that buyers will rip out. You get honest answers and a closing that does not surprise you.
Surf Club in 15 seconds.
HOA, CDD & Fees
- No CDD
- HOA reported ~$712/month
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Page states no CDD.
Tools for a Surf Club buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Surf Club sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Surf Club, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Surf Club home worth?
Get a no-obligation home value based on real comparable sales in Surf Club, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Palm Coast →
Price History: What Homes Here Have Actually Sold For
Median sale prices in Surf Club Palm Coast year by year since 2013, from closed MLS sales. Long-run history beats any single estimate: it shows what this community has actually done through rate cycles, not what a model guesses.
Frequently Asked Questions
What schools serve Surf Club?
Who is the best real estate agent for Surf Club?
How do I find a top Palm Coast real estate agent who knows Surf Club?
Can Momentum Realty connect me with an agent for Surf Club?
Should you buy in Surf Club?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | DBAMLS records, as of 2026-07-12 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of DBAMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the DBAMLS member average and 8 days faster, and we’ll price yours against live local comps.
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