Single Family Residence in Grand Reserve, Bunnell · No CDD · Built 2022
Grand Reserve · Bunnell, FL 32110 · Flagler
Listing data updated September 17, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
1,777Sq Ft
2022Year Built
$154Per Sq Ft
2-car garageNo CDD4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$154 here vs $154 median sold (12 mo)
Buyer leverage
Seller-leaning
2.4-month supply
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 17, 2026, 13 Pinnacle Place in Grand Reserve, Bunnell is listed at $272,800 (1,777 sq ft, about $154 per sq ft). It came to market within the past week. Listing facts: built in 2022, HOA dues of $5/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2022 · 4 yrs
1,777 sq ft of living area
2-car garage
Active listing
HOA $5/mo (per listing)
Golf course communitySchool district: CDD CDD Deer Run district Schools Flagler County SchoolsCommunity built 1997–2026Zia Maria’s Caffè · 7 min driveMelina's Empanadas · 9 min driveMedical Specialists · 9 min drive
Property timeline
This home’s history
2022BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$1,740/mo
Principal & interest $1,417/mo81%
Taxes $239/mo14%
Insurance $79/mo5%
HOA $5/mo0%
$1,740/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Flagler County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,050/yr ($254/mo)
+$225 more each year
(+7%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Daytona Beach Area AR. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
44/100
Strongest on: Market liquidity (66), Price vs area (50)
0 limited50100 exceptional
44/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area50
This home $154/sq ft vs the community 12-month median $154/sq ft.
Affordability50
List price $272,800 vs the community median $272,800. Not a measure of personal affordability.
Market liquidity66
Community inventory, ~2.4 months of supply (12-month record).
Renovation upside10
From a 2022 build and $154/sq ft vs the community median $154/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $154 per square foot, about in line with the community’s $154 median. Grand Reserve’s 12-month median sold price per square foot is $154. MLS facts: DBAAR closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
60% of homes in Grand Reserve are owner-occupied. An estimated 40% are non-owner-occupied, including 17% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 263 homes matched. Community-level context.
What’s unique here: a golf-course community, one of only 1 active listings in Grand Reserve, no CDD assessment.
Updated September 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Short Sale - Lender appraisal complete; lender approval required. This home needs a contract! The St.
George floorplan delivers 1,776 square feet of thoughtfully designed, single-story living -- four bedrooms, two bathrooms & a two-car garage, ideal for families or anyone wanting room to grow. Inside, an open-concept layout connects the kitchen, dining & living areas into one bright, inviting space for everyday living & entertaining. The kitchen features modern finishes, ample counter space & a central island perfect for meal prep & casual dining.
Large windows fill the main living area with natural light, carrying that same warmth throughout the home. The spacious primary suite serves as a private retreat with a dual vanity, large walk-in closet & well-designed en-suite bath. Three additional bedrooms add versatility for guests, a home office, playroom or hobbies.
Functional design, energy-efficient features & stylish finishes make this short sale a compelling value!
All 11 photos
Description provided by Coastal Gateway Real Estate Group and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$272,800
Bed / bath4 / 2
Living area1,777 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
MLS #1230891
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~28 ft
Windstorm exposureModerate
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$2,864/yr
CDD assessmentNone on record
HOA (per listing)$5/mo
Calculated estimates
Price per sq ft$154
Estimated monthly payment$1,740
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$272,800
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$241,672the mess$305,644
Actual list price: $272,800 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 26% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $5/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
≈2.4 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $272,800 ($154/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,777 sq ft × $136–$172/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 17, 2026.
Keep looking
Similar homes for sale near Grand Reserve
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $272,800Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,864/yr
A rough first-year estimate only, applying a typical Flagler rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$5/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~28 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by Coastal Gateway Real Estate Group · MLS # 1230891
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Market data · public records
Recent sales activity in Grand Reserve
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Grand Reserve neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$272,800
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$154
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Grand Reserve
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Palm Coast OKs land sale for 36 bed rehabilitation hospital
The Palm Coast City Council, acting as the State Road 100 redevelopment agency board, approved the sale of about 8.5 acres of city owned land to Sanders Trust LLC on July 21, 2026 for a proposed 36 bed inpatient rehabilitation hospital. ClearSky Health would operate the roughly 31 million dollar facility, which must still go through standard development review and permitting before construction.
Why it matters: A new inpatient rehabilitation hospital planned on former city land would add a healthcare facility along the State Road 100 commercial corridor and put an underused parcel into active use, expanding the institutional and commercial building stock. The site is about 3 miles southeast of Grand Reserve.
Planning board recommends denial of 21,920 home western expansion
The Palm Coast Planning Board voted 5 to 0 on July 15, 2026 to recommend denial of future land use and zoning map amendments for the Radiant Palm Coast westward expansion, which proposes up to about 21,920 homes across roughly 20,144 acres. Board members said they wanted more detail and coordination with the county and school district, and the City Council will make the final decision.
Why it matters: A planning board recommendation to deny land use and zoning changes keeps a very large western residential expansion on hold, leaving the affected land west of the city in its current designation pending further review and a City Council decision. The project is about 7 miles northwest of Grand Reserve, elsewhere in Flagler County.
Flagler County adopts one year data center moratorium
Flagler County commissioners unanimously adopted a one year moratorium on new data center siting in unincorporated areas at their July 13, 2026 meeting. Officials said the pause allows staff to develop zoning and land use standards for the emerging industry.
Why it matters: A one year pause on new data center siting in unincorporated areas holds large industrial land uses in place while the county drafts zoning and land use standards, keeping the current pattern of available industrial and commercial land unchanged for now. The site is about 1 mile southwest of Grand Reserve.
Palm Coast approves an 82,000-square-foot warehouse complex where Alleima will expand
Palm Coast approved a two-building, 82,000-square-foot warehouse complex on 7.5 acres at 5 Commerce Boulevard in June 2026. Manufacturer Alleima will occupy one building and add 30 to 50 employees, with the second building marketed to other industrial tenants.
Why it matters: New industrial space and manufacturing jobs in Palm Coast strengthen the local employment base, a factor that can support housing demand nearby. The site is about 3 miles north of Grand Reserve.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 10 min
Dining
Melina's Empanadas 9 min
Shopping
Palm Coast Landing 10 min
Parks
Joanne B King Park 10 min
Assigned schools
Assigned schools
Schools currently assigned to this address in Flagler County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
BunnellAssigned elementary school · Flagler County School District · Grade B (Florida DOE 2025-26)
GRADEA
Buddy TaylorAssigned middle school · Flagler County School District · Grade A (Florida DOE 2025-26)
GRADEA
Flagler Palm CoastAssigned high school · Flagler County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,250 – $1,819/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$526 – −$14At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 13 Pinnacle Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $5/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Flagler County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,777 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,864/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Bunnell
Groceries, dining, and parks for this city — see the city guide.
DBAAR, refreshed twice daily (last: September 17, 2026)
Community market stats
DBAAR closed sales, as of August 28, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of DBAAR records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 13 Pinnacle Place and when was it built?
Per the listing record, 13 Pinnacle Place was built in 2022 and has 1,777 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 13 Pinnacle Place in?
13 Pinnacle Place is in Grand Reserve in Bunnell, Flagler County. The community section on this page shows recent closed sales, days on market, and active inventory for Grand Reserve from the same MLS data.
Does 13 Pinnacle Place have an HOA, and how much are the dues?
The listing reports HOA dues of $5 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 13 Pinnacle Place differ from the current owner's?
The estimate on this page (about $2,864 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 13 Pinnacle Place in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 13 Pinnacle Place in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
