OWNER FINANCING AVAILABLE!! Experience breathtaking, direct oceanfront living in this beautiful Captiva model condo, located in the exclusive Surf Club II community at Matanzas Shores in Palm Coast. This spacious 3-bedroom, 2.5-bath residence offers sweeping ocean views and a resort-style lifestyle packed with amenities. Residents enjoy access to three swimming pools, a hot tub, BBQ grilling areas, tennis and pickleball courts, horseshoe pits, volleyball, shuffleboard, a fitness center, library, and multiple community rooms. Surf Club is a 24-hour gated and guarded community featuring private walking trails through scenic nature preserves that lead to the Intracoastal Waterway, complete with fishing piers, boat docks, and kayak storage. Miles of pristine, coquina-sand beaches are just steps away — perfect for long, peaceful walks. Plus, you're just minutes from Marineland and only a 10-minute drive to Flagler Beach, one of Florida’s last charming fishing towns, known for having many restaurants. Recent Upgrade: Brand new high-efficiency HVAC system installed in August 2023. Come see why life at Surf Club offers the perfect blend of oceanfront serenity, community amenities, and small-town charm!