512 Grand Reserve Dr, Bunnell, FL 32110 Property Records

Flagler County property record for 512 Grand Reserve Dr, Bunnell, FL 32110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,373 sqft · built 2021
Lot Size	0.246 acres (10,759 sqft)
Owner	Individual Name on File
Last Sale	$320,990 (Jan 2021)
Tax Bill	$1,806 (2024)
Deeds & Mortgages	May 2022 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-12-30-2976-001B0-0660`

Property Details

APN / Parcel Number

Primary APN	`11-12-30-2976-001B0-0660`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,373 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Fiber Cement Siding
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,759 sqft (0.246 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	512 GRAND RESERVE DR
City	BUNNELL
State	FL
Zip	32110-3435
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 66
Legal Phase	1A
Legal Lot Number	66
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	2
Census Block	2005
Census Tract	60218

Owner

512 Grand Reserve Dr is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	512 GRAND RESERVE DR, BUNNELL, FL 32110-3435
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
May 3, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 28, 2021	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage DHI MORTGAGE COMPANY LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on File
Deed Sale	Jan 28, 2021 · Amount on File
Deed Document Number	2021004500
Deed Book / Page	2520 / 447
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	512 GRAND RESERVE DR, BUNNELL, FL 32110-3435
Transaction Type	Mortgage
Record Updated	Feb 21, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 GRAND RESERVE DR, BUNNELL, FL 32110-3435

Mortgage

Document Number	0026830703
Date	May 3, 2022
Book Page	2683/703
Instrument	2022022827

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Jan 28, 2021
Property Address	512 GRAND RESERVE DR, BUNNELL, FL 32110-3435
Document Number	0025200447
Book / Page	2520 / 447
Map Reference	MB 39 PG 6-11
Instrument Date	Jan 26, 2021
Instrument	2021004500
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 21, 2023
Title Company	DHI TITLE FLORIDA INC, DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4220 RACE TRACK RD # RD100, RD100, SAINT JOHNS, FL 32259-2084

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 GRAND RESERVE DRIVE, BUNNELL, FL 32110-3435

Mortgage

Document Number	0002520448
Date	Jan 28, 2021
Instrument	2520/448

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

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		$319,867 Land $44,000 Building $275,867	$319,867 Land $44,000 Building $275,867
2024	$1,806.00
2023	$1,806.00 (+17.04%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$319,015 (+3%)	$340,251 (+3.68%) Land $44,000 Building $296,251
2022	$1,543.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$309,723	$328,162 Land $44,000 Building $284,162

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

Flood

FEMA maps place 512 Grand Reserve Dr 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 512 Grand Reserve Dr is moderate, ranking above 53% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.09% 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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