2863 Spruce St, Bunnell, FL 32110 Property Records

Flagler County property record for 2863 Spruce St, Bunnell, FL 32110 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 2007
Lot Size	1.13 acres (49,484 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jun 2021)
Tax Bill	$2,270 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Apr 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-12-28-1800-01130-0100`

Property Details

APN / Parcel Number

Primary APN	`13-12-28-1800-01130-0100`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Heated Area
Gross Area	1,458 sqft
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	49,484 sqft (1.13 acres)
Lot Width	165 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	2863 SPRUCE ST
City	BUNNELL
State	FL
Zip	32110-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DAYTONA NORTH SUBD BLOCK 113 LOT 10 OR BOOK 108 PAGE 527 OR 193 PG 452 OR 673 PG 1382- OR 674 PG 350 OR 1237 PG 1327-DC OR 14
Legal Range	28E
Legal Township	12S
Legal Section	13
Legal Subdivision	DAYTONA NORTH SUB
Legal Block	113
Legal Lot Number	10
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3053
Census Tract	60206

Owner

Source: Flagler County records · APN 13-12-28-1800-01130-0100

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Warranty Deed, Transfer · Conventional Mortgage EVOLVE BANK & TRUST
Apr 22, 2019	Warranty Deed, Transfer · FHA Mortgage AMERIS BANK
May 30, 2018	Warranty Deed, Transfer FLAGLER COUNTY ABSTRACT
Sep 14, 2017	Loan Modification, Mortgage · Conventional Mortgage MAINSTREET CMNTY BK/FL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2021 · Amount on Record
Deed Sale	Jun 29, 2021 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	2021035830
Deed Book / Page	2579 / 133
Record Updated	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 29, 2021
Property Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220
Document Number	0025790133
Book / Page	2579 / 133
Map Reference	MB 10 PG 1-15
Instrument Date	Jun 25, 2021
Instrument	2021035830
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5223 COUNTY ROAD 305, 5223, BUNNELL, FL 32110-5425

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220

Mortgage

Document Number	2579134
Date	Jun 29, 2021
Instrument	2579/134

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Apr 22, 2019
Property Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220
Document Number	0023490984
Book / Page	2349 / 0984
Map Reference	M,B 10 PG 1-15
Instrument Date	Apr 12, 2019
Instrument	2019013809
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AGENTS CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$973.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220

Mortgage

Document Number	2019013810
Date	Apr 22, 2019
Instrument	2019013810

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 30, 2018
Property Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220
Document Number	0022820784
Book / Page	002282 / 000784
Instrument Date	May 17, 2018
Instrument	19927
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	FLAGLER COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Tax	$1,043.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 350034 PALM COAST FL 321350034, PALM COAST, FL 32135-0034

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	FLAGLER FL
Property Address	2863 SPRUCE ST, BUNNELL, FL 32110-7220
Document Number	0022381484
Book / Page	002238 / 001484
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2863 SPRUCE ST BUNNELL FL 321107220, BUNNELL, FL 32110-7220

Mortgage

Document Number	0022381484
Date	Oct 30, 2017
Book Page	002238/001484
Instrument	37895

Lender

Name	MAINSTREET CMNTY BK/FL
Type	Bank
Address	DELAND, FL 32720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 29, 2022

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,270.00 (-19.16%)	$165,311 (+0.94%) Land $25,000 Building $140,311	$165,311 (+0.94%) Land $25,000 Building $140,311
2023	$2,808.00 (+8.5%)	$163,764 (+5.47%) Land $21,500 Building $142,264	$163,764 (+5.47%) Land $21,500 Building $142,264
2022	$2,588.00	$155,277 Land $19,000 Building $136,277	$155,277 Land $19,000 Building $136,277

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Flagler County (12035C), updated March 5, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120350602063, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 71 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	5 (2001–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Oct 2024, rainfall accumulation, Hurricane Milton

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 565 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 52 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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