45 Sand Wedge Ln, Bunnell, FL 32110 Property Records

Flagler County property record for 45 Sand Wedge Ln, Bunnell, FL 32110

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,745 sqft · built 2020
Lot Size	0.142 acres (6,229 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Jun 2023)
Tax Bill	$4,402 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`11-12-30-2976-001B0-0890`

Property Details

APN / Parcel Number

Primary APN	`11-12-30-2976-001B0-0890`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,745 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,229 sqft (0.142 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	45 SAND WEDGE LN
City	BUNNELL
State	FL
Zip	32110-3404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	GRAND RESERVE PHASE 1A & 1B MB 39 PG 6 LOT 89
Legal Range	30E
Legal Township	12S
Legal Section	11
Legal Subdivision	GRAND RESERVE PH 1A & 1B
Legal Phase	1A
Legal Lot Number	89
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2016
Census Tract	60218

Owner

45 Sand Wedge Ln is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 2, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KNOCK LENDING LLC
Mar 15, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FILO MORTGAGE LLC
Nov 5, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI TRUIST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on File
Deed Sale	Jun 21, 2023 · Amount on File
Prior Sale	Nov 5, 2020 · Amount on File
Deed Document Number	2023026574
Deed Book / Page	2790 / 840
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 21, 2023
Property Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404
Document Number	0027900840
Book / Page	2790 / 840
Map Reference	MB 39 PG 6-11
Instrument Date	Jun 14, 2023
Instrument	2023026574
Transaction Type	Transfer
Record Updated	Jul 7, 2023
Title Company	COVENANT TITLE, COVENANT CLOSING & TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	131 POINT PLEASANT DR, PALM COAST, FL 32164-4906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8409 W PURDUE AVE, PEORIA, AZ 85345-7171

Mortgage

Document Number	0002790842
Date	Jun 21, 2023
Instrument	2790/842

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404

Mortgage

Document Number	0027600252
Date	Mar 2, 2023
Book Page	2760/252
Instrument	2023008099

Lender

Name	KNOCK LENDING LLC
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	5 Months
Due	Aug 21, 2023

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404
Transaction Type	Mortgage
Record Updated	Jul 12, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404

Mortgage

Document Number	0026671624
Date	Mar 15, 2022
Book Page	2667/1624
Instrument	2022013577

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404

Mortgage

Document Number	0026290721
Date	Nov 19, 2021
Book Page	2629/721
Instrument	2021063556

Lender

Name	FILO MORTGAGE LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Nov 5, 2020
Property Address	45 SAND WEDGE LN, BUNNELL, FL 32110-3404
Document Number	0024930033
Book / Page	002493 / 000033
Instrument Date	Oct 30, 2020
Instrument	45884
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 16, 2020
Title Company	DHI TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,558.00
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	45 SAND WEDGE LN JACKSONVILLE FL 32210, JACKSONVILLE, FL 32210

Mortgage

Document Number	24930034
Date	Nov 5, 2020
Book Page	002493/000034
Instrument	45885

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Sand Wedge Ln was $4,402 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,402.00 Homeowner's exemption	$244,457 Land $43,500 Building $200,957	$244,457 Land $43,500 Building $200,957
2023	$4,882.00 (+9.46%) Homeowner's exemption	$182,481 (+3%)	$258,164 (+2.68%) Land $43,500 Building $214,664
2022	$4,460.00 Homeowner's exemption	$177,166	$251,424 Land $43,500 Building $207,924

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

Flood

FEMA maps place 45 Sand Wedge Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 111 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	111 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims

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

Wildfire risk around 45 Sand Wedge Ln is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BUNNELL WATER PLANT serves 3,507 people · EPA ID FL2180134
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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