Chad Creech

E COUNTY ROAD 90, BUNNELL, FL, 32110

Active16 days on marketListed Jul 3, 2026MLS #A4698726

Priced 93% below the BUNNELL 32110 median

About this home

E COUNTY ROAD 90

10 Acres in Bunnell, FL – FOR LAND INVESTORS If You Are Looking to Build, Camp, Homestead, Hunt, or Use the Property Right Away, This Is NOT the Property for You. Please read carefully This 10-acre parcel in Flagler County, Florida is a LANDLOCKED PROPERTY with NO LEGAL ROAD ACCESS at this time. You cannot simply buy this property and start building a house. You cannot obtain immediate access. You are purchasing this property based on its long-term investment potential. Why Are Investors Interested? Most of the surrounding parcels are already owned by builders, developers, and investment groups who are holding land in the path of future growth. The investment thesis is simple: Either you believe development will eventually continue expanding into this area and create value, or you don't. There is no middle ground. No one can guarantee when development will arrive. No one can guarantee future access.No one can guarantee future entitlements. This is a speculative land investment. However, with annual property taxes of only approximately $14 per year, the holding costs are virtually negligible. For investors currently holding substantial amounts of cash, this can be an attractive opportunity to diversify into a tangible asset with long-term upside potential rather than leaving funds idle in a bank account. And in nearby developed subdivisions such as North Daytona (1 mile away), comparable residential lots are already being marketed and sold for $200,000+. Many successful land investors generate their largest returns by purchasing property years before development reaches an area—not after prices have already risen. The Opportunity •10 acres in Flagler County, Florida •No legal road access currently •No wetlands •Annual property taxes: approximately $14 •Extremely low holding costs •Located in an area where nearby properties have sold for substantially higher prices •Surrounded by parcels held by builders, developers, and long-term investors For many investors, the biggest gains come from buying land years before development arrives—not after. Pricing Cash Price: $20,000 Price is FIRM. Owner Financing Available: Finance Price: $22,000 Down Payment: $5,500 Monthly Payment Options: •$892/month for 24 months •$643/month for 36 months •$519/month for 48 months Important We are not interested in debating the property's lack of access. We are fully aware that the property is landlocked. The asking price already reflects that fact. Low-ball offers will be ignored. This property is intended for experienced investors who understand speculative land investing and are comfortable holding property for the long term.

Facts & features

The home at a glance

10 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$14/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

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

$288 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$118
FHA mortgage insurance (est.)$9
Property tax — 2025 actual bill$1
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $700
Interest rate6.00%
Loan term

Estimated payment

$288/mo

Principal & interest$118
FHA mortgage insurance (est.)$9
Property taxes (actual bill)$1
Est. insurance$160

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.

Where it sits

Inside Bunnell

Map of E COUNTY ROAD 90

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)

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

This home is listed 93% below the BUNNELL 32110 median. See the full Bunnell market guide →

Paper trail

This home's history

Jul 3, 2026Listed at $20,000 · 16 days on market since

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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about E COUNTY ROAD 90 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for E COUNTY ROAD 90 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

E COUNTY ROAD 90 FAQs

What would the monthly payment be for E COUNTY ROAD 90?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $288/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 E COUNTY ROAD 90?+

The most recent tax bill on record (2025) was $14. 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 $20,000, this home is listed about 93% below the Bunnell median of $305,350. The market section on this page shows how the area is trending.

Which schools are assigned to E COUNTY ROAD 90?+

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 SAVVY AVENUE, LLC · Moe Mossa. MLS #A4698726.

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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