Steeve Cadeau
$945,900$995,0003 bd3.5 ba3,653 sqft$259 /sqft$6,391 /mo all-in ↓

94 SMITH LANE, BUNNELL, FL, 32110

Active79 days on marketListed May 1, 2026MLS #FC318113

Reduced $49KPrivate poolSingle Family ResidenceST JOHNS DEV CO

About this home

94 SMITH LANE

Escape the ordinary and discover true Florida country living on this stunning 5-acre estate in the heart of Flagler County. This spacious custom home offers the perfect blend of comfort and privacy with no HOA or CDD fees. It’s perfect for setting up your personal homestead with a garden enclosure and pole barn already in place. You have plenty of room for chickens and to park your RV or boat. The sweeping circular driveway welcomes you to the private yard where you'll feel the sense of space and serenity that defines this one-of-a-kind property. The new carport with Shark Coating parking pad and sidewalks invite you to the huge, wrap-around porch; the perfect spot to enjoy your morning coffee while listening to the birds. The large, open-concept living room features high ceilings, a cozy fireplace, flanked by built-in shelving and storage. It is connected to the beautiful kitchen featuring a large island, solid wood cabinets, stainless steel appliances including a built-in refrigerator, propane cooktop, built-in oven and microwave. The walk-in pantry gives you the space you need to stay organized. The generous primary suite offers a true retreat, complete with a spacious walk-in closet and a well-appointed ensuite bath with split, dual vanities, a soaking tub, separate shower, and a water closet for privacy. On the other side of the house, bedroom 2 has a walk-in closet and an adjoining Jack-and-Jill style bathroom, that opens to the bedroom and the hallway, for easy access. Bedroom 3 has an ensuite bathroom, that doubles as a pool bath, with a door to the lanai. Upstairs you will find a large bonus room perfect for a home office, gym, movie theater, crafts or extra bedroom. It has a storage area and a half bath. The large, covered lanai can be easily accessed from the living room, kitchen, primary bedroom and pool bath. It is anchored with beautiful brick pavers surrounding the inground saltwater pool and spa. The screen enclosure keeps the bugs at bay but still allows a sweeping view of the large back yard. The pool has a solar heating system, with backup electric, or propane options. The property has two wells, one for water for the house and one for the irrigation system with components located in the charming pump house. The home boasts a metal roof, gutters, a rain barrel, and a storage room on the front porch. Tucked away on a quiet lane yet conveniently accessible via SR-100 and County Roads 302 and 305, this property offers the seclusion you crave with easy access to shopping, dining, and the beautiful beaches of Flagler County.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

3,653

Sqft

5 ac

Lot size

2008

Year built

Two

Levels

$259

Per sqft

Private poolFireplaceGarden & Trees/Woods view

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range · Refrigerator · Washer · Water Filtration System · Water Softener
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofMetal
ConstructionHardiPlank Type · Wood Frame
FoundationSlab
ViewGarden · Trees/Woods
FacesSouth
ParkingCircular Driveway · Covered · Parking Pad
ExteriorFire Pit · French Doors · Garden · Irrigation System · Lighting · Outdoor Shower · Rain Barrel/Cistern(s) · Rain Gutters · Sidewalk · Storage

Community & fees

Taxes (2025)$9,270/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable 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.

$6,391 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,104
PMI (est., until 20% equity)$355
Property tax — 2025 actual bill$773
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $94,590Loan30-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% · $94,590
Interest rate6.00%
Loan term

Estimated payment

$6,391/mo

Principal & interest$5,104
PMI (est., until 20% equity)$355
Property taxes (actual bill)$773
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

$259 vs $200

Days on market

79 vs 33 typical

Where $259/sqft sits among the 79 Bunnell actives

37
29 · this home
6
0
3
4
$138–199$199–261$261–323$323–384$384–446$446+

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

Map of 94 SMITH LANE

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 marketBalanced5.5 months of inventoryBuyer’s market

$285K$287K

Bunnell median sold, yr/yr

96.0%

Sale-to-list ratio (12 mo)

35 of 79

Bunnell actives have cut their price

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

This home is listed 233% above the BUNNELL 32110 median. See the full Bunnell market guide →

Paper trail

This home's history

CurrentPrice reduced to $945,900 $49K
May 1, 2026Listed at $995,000 · 79 days on market since
2008Built · ST JOHNS DEV CO

Reality check

What actually sold near 94 SMITH LANE

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

271 N COUNTY ROAD 115Sold · Dec ’25

$265,000

271 N COUNTY ROAD 115 · same community

2 bd · 1 ba · 1,200 sqft · $221/sqft · 0 DOM

5210 COUNTY ROAD 305Sold · Jan ’26

$1,300,000

5210 COUNTY ROAD 305 · same community

3 bd · 2 ba · 1,152 sqft · $1,128/sqft · 111 DOM

4195 COUNTY ROAD 305Sold · May ’26

$515,000

4195 COUNTY ROAD 305

3 bd · 2 ba · 2,164 sqft · $238/sqft · 504 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 94 SMITH LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 94 SMITH LANE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

94 SMITH LANE FAQs

What would the monthly payment be for 94 SMITH LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,391/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 94 SMITH LANE?+

The most recent tax bill on record (2025) was $9,270. 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 $945,900, this home is listed about 210% above the Bunnell median of $305,350. The market section on this page shows how the area is trending.

Which schools are assigned to 94 SMITH LANE?+

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.

The brief

Four things that matter here

01Positioned at the premium end

$945,900 runs 233% above the BUNNELL 32110 median — but at 3,653 sqft it's also nearly twice the size of the typical Bunnell listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Time on market is leverage

79 days on market against a Bunnell median of 33 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $995,000, now $945,900 — a $49K cut. The full history is in the market section below.

Listing courtesy of REAL BROKER, LLC · Joyce Cunningham. MLS #FC318113.

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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