CENTURY 21 Edge
$650,0006 bd4 ba3,302 sqft$197 /sqft≈$4,070 /mo all-in ↓

870 COUNTY ROAD 65, BUNNELL, FL, 32110

Active10 days on marketListed Oct 2, 2026MLS #V4951633

Private poolSingle Family ResidenceST JOHNS DEV CO S

About this home

870 COUNTY ROAD 65

Enter through beautiful shade trees and a solar power operated gate, pass a picturesque pond and arrive at the main home on the left and secondary building on the right. A large driveway offers ample parking, while mature live oaks, fenced pastures and spectacular sunsets set the scene for country living. The updated main home offers 3 bedrooms, 3 baths, soaring ceilings, 2 spacious family rooms and a dining room. The kitchen is a baker's dream, with custom wood cabinetry by a local cabinetmaker, quartz countertops and an oversized island with abundant storage and outlets on both ends. A built-in baking nook hides behind cabinet doors, with power for your mixer and storage for supplies. Enjoy a Whirlpool gas range, stainless appliances, a pantry with a custom barn door and a sunny breakfast nook overlooking the pond. One family room features a brick fireplace, capped and fitted with an electric fireplace component. The dining room opens to a second oversized family room with vaulted ceilings and a beverage center with a bar fridge and wine fridge. Triple sliders lead to a covered patio with sunset views over the live oaks and pastures. Two generous en suite bedrooms have walk-in closets and updated baths. One bath features a custom vanity and step-in shower with bench, niche, grab bars and skylight; the other offers custom cabinetry and a jetted Jacuzzi tub. A third bedroom and updated full bathroom with a step-in shower complete the home. Additional updates include LED lighting, a 4-ton HVAC system installed in 2023, a 2023 Rheem hot water heater and replacement of most windows. The one-car garage houses the laundry. Across the driveway, the secondary building offers an updated 3-bedroom, 1-bath living space with its own kitchen and indoor laundry. The building was renovated, converted and permitted in 2019–2020, including a roof, windows, flooring, kitchen, bath, HVAC, water heater, electrical and plumbing. An attached oversized single-entry RV-sized garage and workshop has an approximately 10-foot-tall opening. Once fitted with a car lift, it retains flooring designed to accommodate one. Horse fencing with new posts installed in 2023 divides the property into pastures, growing areas, a citrus grove and spaces for animals. There's a 2-stall stable with storage, 3 smaller sheds and a large outbuilding. Chickens and turkeys live here now; the property has also accommodated goats and horses. Enjoy 4 newer citrus trees, a producing lemon tree, and apple, walnut and pecan trees. Water is distributed throughout the grounds for irrigation. Two freshwater wells include a primary well serving both living areas and a backup well, plus a Kinetico water softener and shared septic system and drainfield redone in 2019. Cool off in the above-ground pool, installed March 2026 with saltwater filtration, or relax on the covered patio at sunset. Whether you're dreaming of growing your own food, raising animals, creating the ultimate workshop or simply enjoying wide-open spaces, this versatile property offers an incredible opportunity to enjoy country living with the convenience of additional living space, extensive updates and room for all your hobbies!

Facts & features

The home at a glance

6

Bedrooms

4

Bathrooms

3,302

Sqft

5.23 ac

Lot size

2

Garage

1978

Year built

One

Levels

$197

Per sqft

Private poolFireplaceWater view

Inside

FlooringCarpet · Laminate · Tile
AppliancesBar Fridge · Dishwasher · Dryer · Electric Water Heater · Refrigerator · Washer · Water Filtration System
InteriorCeiling Fan(s) · Eating Space In Kitchen · L Dining · Primary Bedroom Main Floor · Skylight(s) · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryIn Garage · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesEast
ParkingOversized · RV Garage · RV Parking · Workshop in Garage
ExteriorPrivate Mailbox · Private Yard · Storage

Community & fees

Taxes (2025)$1,907/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Sprinkler Well
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,070 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property tax — 2025 actual bill$159
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $65,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $65,000
Interest rate6.00%
Loan term

Estimated payment

$4,070/mo

Principal & interest$3,507
PMI (est., until 20% equity)$244
Property taxes (actual bill)$159
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs Bunnell actives

$197 vs $184

Days on market

10 vs 73 typical

Where $197/sqft sits among the 71 Bunnell actives

20
31 · this home
9
6
1
4
$129–171$171–213$213–255$255–298$298–340$340+

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

ElementaryBunnell Elementary School★★★★★
HighFlagler-Palm Coast High School★★★★★
MiddleBuddy Taylor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bunnell market

Seller’s marketLeans seller — 3.6 months of inventoryBuyer’s market

$285K → $297K

Bunnell median sold, yr/yr

96.2%

Sale-to-list ratio (12 mo)

42 of 71

Bunnell actives have cut their price

Median sold price, Bunnell, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 137% above the BUNNELL 32110 median. See the full Bunnell market guide →

Paper trail

This home's history

Oct 2, 2026Listed at $650,000 · 10 days on market since
1978Built · ST JOHNS DEV CO S

Reality check

What actually sold near 870 COUNTY ROAD 65

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1825 COUNTY ROAD 302Sold · Dec ’25

$1,070,000

1825 COUNTY ROAD 302 · same community

4 bd · 2.5 ba · 2,895 sqft · $370/sqft · 81 DOM

2055 COUNTY ROAD 75Sold · Sep ’26

$385,000

2055 COUNTY ROAD 75

5 bd · 2 ba · 2,280 sqft · $169/sqft · 3 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 870 COUNTY ROAD 65 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 870 COUNTY ROAD 65 — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

870 COUNTY ROAD 65 FAQs

What would the monthly payment be for 870 COUNTY ROAD 65?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,070/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 870 COUNTY ROAD 65?+

The most recent tax bill on record (2025) was $1,907. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Bunnell?+

At $650,000, this home is listed about 123% above the Bunnell median of $292,000. The market section on this page shows how the area is trending.

Which schools are assigned to 870 COUNTY ROAD 65?+

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.

Listing courtesy of REALTY PROS ASSURED · Bonnie Karet. MLS #V4951633.

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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870 COUNTY ROAD 65, BUNNELL, FL — 6 Bed, 4 Bath — $650,000 | CENTURY 21 Edge