2895 Spruce St, Bunnell, FL 32110 Property Records

Flagler County property record for 2895 Spruce St, Bunnell, FL 32110

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,607 sqft · built 2019
Lot Size	1.13 acres (49,484 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2026)
Tax Bill	$1,341 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-12-28-1800-01130-0110`

Property Details

APN / Parcel Number

Primary APN	`13-12-28-1800-01130-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,607 sqft Living Area
1st Floor Area	1,607 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	49,484 sqft (1.13 acres)
Lot Width	165 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2895 SPRUCE ST
City	BUNNELL
State	FL
Zip	32110-7220
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	MH-1
Legal Description	DAYTONA NORTH SUBD BLOCK 113 LOT 11 OR BOOK 108 PAGE 527 OR 193 PG 451 OR 673 PG 1382- OR 674 PG 350 OR 1237 PG 1327-DC OR 1414 PG 1783-REBECCA Y ROE FLEISHER FBO RICK ROBERT ROE, RENEE ELIZABETH ROE, HANK DUANE ROE & TRACI M ROE OR 1434 PG 142 OR 14
Legal Range	28E
Legal Township	12S
Legal Section	13
Legal Subdivision	DAYTONA NORTH
Legal Block	113
Legal Lot Number	11
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3053
Census Tract	60206

Owner

Source: Flagler County records · APN 13-12-28-1800-01130-0110

Assessment roll updated December 8, 2025 · Last verified June 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	2895 SPRUCE ST, BUNNELL, FL 32110-7220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 06, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Mar 04, 2019	Warranty Deed, Transfer AGENT'S CHOICE TITLE LLC
May 30, 2018	Warranty Deed, Transfer FLAGLER COUNTY ABSTRACT

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 06, 2026 · Amount on Record
Deed Sale	Jun 06, 2026 · Amount on Record
Prior Sale	Mar 04, 2019 · Amount on Record
Deed Document Number	202622645
Deed Book / Page	3060 / 444
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 06, 2026
Property Address	2895 SPRUCE ST, BUNNELL, FL 32110-7220
Document Number	0000022645
Book / Page	3060 / 444
Instrument Date	May 28, 2026
Instrument	202622645
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	AGENT'S CHOICE TITLE LLC, AGENTS CHOICE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$208,565.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2895 SPRUCE ST, BUNNELL, FL 32110-7220

Mortgage

Document Number	0000022646,
Date	Jun 06, 2026
Book Page	3060/446
Instrument	202622646

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 04, 2019
Property Address	2895 SPRUCE ST, BUNNELL, FL 32110-7220
Document Number	0023381991
Book / Page	002338 / 001991
Instrument Date	Mar 01, 2019
Instrument	7423
Transaction Type	Transfer
Record Updated	Mar 18, 2019
Title Company	AGENT'S CHOICE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$91.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 HUNT MASTER CT ORMOND BEACH FL 321742442, ORMOND BEACH, FL 32174-2442

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	May 30, 2018
Property Address	2895 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

Tax Assessment & Valuation

Source: Flagler County records · Assessment roll updated December 8, 2025 · Last verified June 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,341.00 (+17.53%) Homeowner's exemption Veteran's exemption	$143,369 (+24.33%)	$219,245 (+8.69%) Land $25,000 Building $194,245
2023	$1,141.00 (+2.89%) Homeowner's exemption	$115,310 (+3%)	$201,708 (+0.18%) Land $21,500 Building $180,208
2022	$1,109.00 Homeowner's exemption	$111,951	$201,353 Land $19,000 Building $182,353

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 5, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 71 policies
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 · Hurricane Milton

Wildfire

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.2% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 52 locations within half a mile of this property.

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