1331 WATER OAK ROAD, BUNNELL, FL, 32110
Active11 days on marketListed Aug 17, 2026MLS #G5116555
About this home
1331 WATER OAK ROAD
Virtually Staged. Under Construction. BRAND-NEW CONSTRUCTION, OVER HALF AN ACRE AND NO HOA - all at $337,000! This 3-bedroom, 2-bath home in rural Bunnell offers a combination that's becoming increasingly hard to find: an affordable new home with plenty of land and the freedom to actually use it. Bring the boat, RV, horse trailer and outdoor toys. MH-1 rural zoning allows animals for personal use, and there is NO HOA. Currently under construction with estimated completion around September 28, 2026, the approximately 1,377-square-foot home is being built with 2x6 exterior wall framing, Hardie siding and an Owens Corning Duration roof with a transferable lifetime warranty. Inside, you'll find an open living, kitchen and dining area; a spacious primary suite with walk-in closet and window seat; Wellborn cabinetry; solid-surface countertops; tiled primary shower with separate garden tub; stainless steel appliances; blinds; and ceiling fan/light combinations in all three bedrooms and the living room. But one of the best features of this home may be what you won't have to worry about. The roof is new. The Goodman HVAC is new. The 50-gallon water heater is new. The septic system is new. The appliances are new. And it's backed by a termite bond, 10-year structural warranty and 2-year materials and workmanship warranty. That's a lot of expensive question marks taken off the table from day one. When it's time to play, nearby Bull Creek Campground and Boat Ramp and Shell Bluff Boat Ramp and Park provide easy access to the Crescent Lake system and connections to the St. Johns River. Flagler Beach and the Intracoastal are approximately 30 minutes away, with Daytona Beach and historic St. Augustine also within an easy drive. Brand new. Half an acre. No HOA. Space for the toys, room for the animals, access to some of Florida's best outdoor recreation - and the peace of mind of coming home to a house where everything is new.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,377
Sqft
0.51 ac
Lot size
2026
Year built
One
Levels
$245
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,314 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,314/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.5%
$/sqft vs Bunnell actives
$245 vs $195
Days on market
11 vs 47 typical
Where $245/sqft sits among the 80 Bunnell actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bunnell
Get to know Bunnell. See the full Bunnell guide →
BUNNELL 32110 — neighborhood snapshot
Population
9,877
Median age
42.6
Median income
$56,277
Median home value
$221,200
Avg household
2.7
Households w/ children
1,090
For the school run
Flagler County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bunnell market
$285K → $297K
Bunnell median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
50 of 80
Bunnell actives have cut their price
Median sold price, Bunnell, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the BUNNELL 32110 median. See the full Bunnell market guide →
Paper trail
This home's history
Reality check
What actually sold near 1331 WATER OAK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$320,000
1666 BERRYBUSH STREET · same community
3 bd · 2 ba · 1,487 sqft · $215/sqft · 117 DOM
Sold · May ’26$279,000
1089 ASPEN STREET · same community
3 bd · 2 ba · 1,493 sqft · $187/sqft · 176 DOM
Sold · May ’26$260,000
5846 MAHOGANY BOULEVARD · same community
3 bd · 2 ba · 1,256 sqft · $207/sqft · 40 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1331 WATER OAK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1331 WATER OAK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1331 WATER OAK ROAD FAQs
What would the monthly payment be for 1331 WATER OAK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,314/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1331 WATER OAK ROAD?+
The most recent tax bill on record (2025) was $257. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1331 WATER OAK ROAD?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Bunnell?+
At $337,000, this home is listed about 12% above the Bunnell median of $299,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1331 WATER OAK ROAD?+
Bunnell Elementary School (elementary), Flagler-Palm Coast High School (high), Buddy Taylor Middle School (middle) — Flagler County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHAIN OF LAKES REAL ESTATE, LLC · Nancy Haufe. MLS #G5116555.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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