
94 SMITH LANE, BUNNELL, FL, 32110
Active79 days on marketListed May 1, 2026MLS #FC318113
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
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.
$6,391 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,391/mo
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
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 → $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
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.
Sold · Dec ’25$265,000
271 N COUNTY ROAD 115 · same community
2 bd · 1 ba · 1,200 sqft · $221/sqft · 0 DOM
Sold · Jan ’26$1,300,000
5210 COUNTY ROAD 305 · same community
3 bd · 2 ba · 1,152 sqft · $1,128/sqft · 111 DOM
Sold · 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.

Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 94 SMITH LANE — start here.

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.
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.
Keep looking
Similar homes nearby
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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