902 Hardy St, Bunnell, FL 32110 Property Records

Flagler County property record for 902 Hardy St, Bunnell, FL 32110

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,008 sqft · built 1978
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Sep 2019)
Tax Bill	$2,547 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-12-30-0850-01850-0150`

Property Details

APN / Parcel Number

Primary APN	`10-12-30-0850-01850-0150`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)
Driveway	Concrete Driveway
Driveway Area	297 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	902 HARDY ST
City	BUNNELL
State	FL
Zip	32110-6082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF BUNNELL BLOCK 185 LOTS 15 & 16 OR 92 PG 20 & OR 93 PG 335 OR 606/1857 OR 1661/815-DC OR 1661/816 OR 1706/450 OR 2314/1463-DC OR 2314/1471 OR 2381/1455
Legal Range	30E
Legal Township	12S
Legal Section	10
Legal Subdivision	TOWN OF BUNNELL
Legal Block	185
Legal Lot Number	15
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1038
Census Tract	60206

Owner

Source: Flagler County records, as of December 8, 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	92 HARDY ST, BUNNELL, FL 32110
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 10, 2020	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Sep 6, 2019	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Oct 26, 2018	Warranty Deed, Transfer PROFESSIONAL CLOSING TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on Record
Deed Sale	Sep 6, 2019 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	201932921
Deed Book / Page	2381 / 1455
Prior Transfer Date	Mar 11, 2009
Prior Transfer Doc	0017060450
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	902 HARDY ST, BUNNELL, FL 32110-6082
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027081622
Date	Jul 21, 2022
Book Page	2708/1622
Instrument	2022037930

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	902 HARDY ST, BUNNELL, FL 32110-6082
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 HARDY ST, BUNNELL, FL 32110-6082

Mortgage

Document Number	0024940126
Date	Nov 10, 2020
Book Page	2494/126
Instrument	2020046511

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Sep 1, 2049

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Sep 6, 2019
Property Address	902 HARDY ST, BUNNELL, FL 32110-6082
Document Number	0023811455
Book / Page	2381 / 1455
Map Reference	MB 1 PG 2
Instrument Date	Aug 26, 2019
Instrument	2019032921
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	PROFESSIONAL CLOSING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1761, BUNNELL, FL 32110-1761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 HARDY STREET, BUNNELL, FL 32110

Mortgage

Document Number	0023811457
Date	Sep 6, 2019
Instrument	2381-1457

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 26, 2018
Property Address	902 HARDY ST, BUNNELL, FL 32110-6082
Document Number	0023141471
Book / Page	002314 / 001471
Instrument Date	Oct 16, 2018
Instrument	40408
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	PROFESSIONAL CLOSING TITLE

Transaction

Amount	Amount Recorded
Tax	$658.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1761 BUNNELL FL 321101761, BUNNELL, FL 32110-1761

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of December 8, 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	$2,547.00 (-0.51%)	$115,709 (-2.04%) Land $34,000 Building $81,709	$115,709 (-2.04%) Land $34,000 Building $81,709
2024	$2,560.00 (+6.36%)
2023	$2,407.00 (+10.16%)	$118,116 (+4.94%) Land $30,000 Building $88,116	$118,116 (+4.94%) Land $30,000 Building $88,116
2022	$2,185.00	$112,552 Land $28,000 Building $84,552	$112,552 Land $28,000 Building $84,552

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	14 (2001–2024)
Claims Outside the SFHA	12 of 14
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 2 claims Hurricane Ian, Sep 2022 · 2 claims Severe Storms, Flooding, Tornadoes, And Straight-line Winds, May 2009 · 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

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	0.1% 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.

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 50

May also be available: Verizon.

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