Flagler County property record for 197 Garden Ln, Bunnell, FL 32110
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 700 sqft · built 2023 |
| Lot Size | 1.25 acres (54,537 sqft) |
| Owner | Individual Name on File |
| Last Sale | $179,000 (Apr 2024) |
| Tax Bill | $1,492 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Mar 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-12-29-0450-00400-0000 |
| Primary APN | 09-12-29-0450-00400-0000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 700 sqft Living Area |
| 1st Floor Area | 700 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 54,537 sqft (1.25 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 197 GARDEN LN |
|---|---|
| City | BUNNELL |
| State | FL |
| Zip | 32110-6537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MH-1 |
| Legal Description | BIMINI GARDENS SUBD LOT 40 OR 187 PG 466 OR 222 PG 902 OR 233 PG 294 OR 308 PG 917 OR 313 PG 607 CD OR 419 PG 825 DC OR 454 PG 1196 OR 1433 PG 1993-FJ OR 2267/507 |
| Legal Subdivision | BIMINI GARDENS SUBD |
| Legal Block | 40 |
| Legal Lot Number | 40 |
| Jurisdiction | FLAGLER FL |
| Township / Civil Division | BUNNELL |
| Census Block Group | 2 |
| Census Block | 2117 |
| Census Tract | 60206 |
197 Garden Ln is owned and occupied by an individual who bought it in April 2024.
Source: Flagler County records, as of March 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 197 GARDEN LN, BUNNELL, FL 32110-6537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 19, 2024 | Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC |
| Mar 22, 2018 | Warranty Deed, Transfer SUNCOAST TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2024 · Amount on File |
| Deed Sale | Apr 19, 2024 · Amount on File |
| Prior Sale | Mar 22, 2018 · Amount on File |
| Deed Document Number | 202416329 |
| Deed Book / Page | 2862 / 1909 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Apr 19, 2024 |
| Property Address | 197 GARDEN LN, BUNNELL, FL 32110-6537 |
| Document Number | 0028621909 |
| Book / Page | 2862 / 1909 |
| Map Reference | MB 10 PG 16 |
| Instrument Date | Apr 10, 2024 |
| Instrument | 2024016329 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2024 |
| Title Company | FAULKNER COUNTY ABSTRACT COMPANY, FLAGLER COUNTY ABSTRACT CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,253.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 197 GARDEN LN, BUNNELL, FL 32110-6537 |
| Name | Verified Name |
|---|---|
| Address | 197 GARDEN LN, BUNNELL, FL 32110-6537 |
| Document Number | 0028621911 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | 2862/1911 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FLAGLER FL |
| Recording Date | Mar 22, 2018 |
| Property Address | 197 GARDEN LN, BUNNELL, FL 32110-6537 |
| Document Number | 0022670507 |
| Book / Page | 002267 / 000507 |
| Instrument Date | Mar 20, 2018 |
| Instrument | 10499 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2018 |
| Title Company | SUNCOAST TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $161.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 S MILL VIEW WAY PONTE VEDRA BEACH FL 320825106, PONTE VEDRA BEACH, FL 32082-5106 |
The 2025 property tax bill for 197 Garden Ln was $1,492, down 34.5% from the year before.
Source: Flagler County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Flagler County |
| Unified School District | Flagler County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,492.00 (-34.48%) | $149,367 Land $42,000 Building $107,367 | $149,367 Land $42,000 Building $107,367 |
| 2024 | $2,277.00 (+396.08%) | ||
| 2023 | $459.00 (+85.08%) | $32,500 (+62.5%) Land $32,500 | $32,500 (+62.5%) Land $32,500 |
| 2022 | $248.00 | $20,000 Land $20,000 | $20,000 Land $20,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 197 Garden Ln in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2001.
Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 54 policies |
| Community Rating System | Class 4 (30% premium discount) |
| Nearby Flood Policies | 54 in force |
| Nearby Flood Claims | 3 (2001–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 197 Garden Ln is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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