3095 Water Oak Rd, Bunnell, FL 32110 Property Records

Flagler County property record for 3095 Water Oak Rd, Bunnell, FL 32110

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,223 sqft · built 2009
Lot Size	0.505 acres (21,998 sqft)
Owner	Individual Name on Record
Last Sale	$208,000 (Mar 2022)
Tax Bill	$1,521 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-12-28-1800-00350-0050`

Property Details

APN / Parcel Number

Primary APN	`13-12-28-1800-00350-0050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,223 sqft Heated Area
Gross Area	1,483 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,998 sqft (0.505 acres)
Lot Width	100 ft Width

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	3095 WATER OAK RD
City	BUNNELL
State	FL
Zip	32110-3520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MH-1
Legal Description	DAYTONA NORTH SUBDIVISION BLOCK 35 LOT 5 OR BOOK 132 PAGE 53 OR 725 PG 214 OR 985 PG 275 OR 1551 PG 1258 OR 1730/305 OR 2341/
Legal Range	28E
Legal Township	12S
Legal Section	13
Legal Subdivision	DAYTONA NORTH SUBDIVISION
Legal Block	35
Legal Lot Number	5
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3062
Census Tract	60206

Owner

Source: Flagler County records, as of December 22, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	3095 WATER OAK RD, BUNNELL, FL 32110-3520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 15, 2019	Warranty Deed, Transfer · FHA Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2022 · Amount on Record
Deed Sale	Mar 1, 2022 · Amount on Record
Prior Sale	Mar 15, 2019 · Amount on Record
Deed Document Number	2022010758
Deed Book / Page	2662 / 1346
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 1, 2022
Property Address	3095 WATER OAK RD, BUNNELL, FL 32110-3520
Document Number	0026621346
Book / Page	2662 / 1346
Map Reference	MB 10 PG 1-15
Instrument Date	Feb 25, 2022
Instrument	2022010758
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	DAYTONA SUNCOAST TITLE INSURANCE INC, DAYTONA SUNCOAST TTL INS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3095 WATER OAK RD, 3095, BUNNELL, FL 32110-3520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 WATER OAK RD, BUNNELL, FL 32110-3520

Mortgage

Document Number	0026621348
Date	Mar 1, 2022
Instrument	2662/1348

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Mar 15, 2019
Property Address	3095 WATER OAK RD, BUNNELL, FL 32110-3520
Document Number	0023411161
Book / Page	2341 / 1161
Map Reference	MB 10 PG 1-15
Instrument Date	Mar 15, 2019
Instrument	2019008964
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PIONEER TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 ZEBULON PL, 7, PALM COAST, FL 32164-5221

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3095 WATER OAK RD, BUNNELL, FL 32110-3520

Mortgage

Document Number	2019008965
Date	Mar 15, 2019
Instrument	2019008965

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,521.00 (-37.97%) Homeowner's exemption	$151,448 (+4.36%)	$151,680 (+4.52%) Land $20,500 Building $131,180
2023	$2,452.00 (+16.48%)	$145,123 (+8.52%) Land $15,000 Building $130,123	$145,123 (+8.52%) Land $15,000 Building $130,123
2022	$2,105.00	$133,727 Land $7,500 Building $126,227	$133,727 Land $7,500 Building $126,227

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

Flood

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 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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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