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Active

Active·18 days on market

708 N Chapel Street

Bunnell, FL 32110

$239,000$194/sqftEst. $1,219/moMLS# 2154404
3
Beds
2
Baths
1,231
Sq Ft
1979
Built
1
Garage
No
Pool

About this home

Bunnell

Discover the perfect blend of modern updates and classic Florida charm in this 3-bedroom, 2-bathroom split-plan home located in the heart of Bunnell. Spanning 1,231 sq. ft. of functional living space, this residence is situated on a .23-acre lot with no HOA. The interior features a bright, open living area anchored by a gas fireplace, creating a warm and inviting atmosphere. The primary suite serves as a private retreat with an oversized walk-in closet. Significant high-ticket upgrades provide immediate peace of mind, including a new roof (2023), HVAC (2019), and a brand-new water filtration system (2024). Outdoor enthusiasts will appreciate the fully fenced backyard. Bring your own chickens to the chicken coop for farm fresh eggs everyday. The screened-in porch is ideal for enjoying quiet evenings for grilling out with family and friends A unique highlight of this property is the 400 sq. ft. rear bonus room and 300 sq. ft. of dedicated storage--perfect for a home office, workshop

Cost to own

Mortgage calculator

$239,000
$47,800
Loan Term
Monthly Payment
$1,219
Principal & Interest: $1,219
Insurance (est.): $159
Estimated Total Monthly
$1,378
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$1,219
Estimated total, before insurance$1,219/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,688/yr · $141/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,688/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · FL0020907 - Bunnell WWTF · Public water (record)

County records show this parcel on central sewer served by FL0020907 - Bunnell WWTF — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,688 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

  • Jul 8, 2026Listed$239,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$239,000
Price / Sq Ft$194
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,231
Acres0.23 acres
Year Built1979
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

Community Information

Address708 N Chapel Street, Bunnell, FL 32110
Area601-Flagler County-North Central
SubdivisionFlagler Estates
CityBunnell
CountyFlagler
StateFL
Zip Code32110
Lot Size10,018.8 sq ft
Parcel Number1012300850004600010

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesCeiling Fan(s)
AppliancesElectric Oven, Gas Water Heater, Refrigerator
HeatingCentral
CoolingElectric
FlooringLaminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1

Exterior

Other StructuresShed(s)
Road FrontageCity Street

Additional Information

Date ListedJuly 8, 2026
Days on Market0
Tax Amount$1,687.51
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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