listed Oct 21, 2026Single Family Residence▼ Price cut: $10,000 (10/29)
$289,000
3-Bedroom Golf-Course Home in Grand Reserve & Golf Club
856 Grand Reserve Drive, Bunnell, FL 32110
Single Family Residence in Grand Reserve & Golf Club, Bunnell · Built 2026
Grand Reserve & Golf Club · Bunnell, FL 32110 · Flagler County
Listing data checked against the MLS November 12, 2026 at 11:32 AM ET · rechecked hourly
Listed by Berkshire Hathaway HomeService (Florida Park) (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,655Sq Ft
2026Year Built
$175Per Sq Ft
2-car garageFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
3% below
$/sq ft vs community
$175 here vs $180 median sold (12 mo)
Buyer leverage
Seller-leaning
21 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~29 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $289k is at or below all 12 recent closed sales
856 Grand Reserve Drive in Grand Reserve & Golf Club, Bunnell is listed at $289,000 (1,655 sq ft, about $175 per sq ft). It has been listed Oct 21, 2026. Listing facts: built in 2026, HOA dues of $5/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 2026
1,655 sq ft of living area
2-car garage
Listed at $289,000 — recent neighborhood median sale price ~$288,000 (nearby sales; deemed reliable, not an appraisal)
listed Oct 21, 2026
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
Listing description
About this home
Better than new with stunning water views! This beautiful D.R. Horton home built in 2026 has been occupied for only 4 months!
Loaded with upgrades and thoughtful finishing touches, this 3-bedroom home offers an inviting open floor plan with vaulted ceilings, beautiful Revwood flooring in the main areas and carpet in the bedrooms. The kitchen features elegant quartz countertops, a stylish tile backsplash, and all appliances included. Enjoy upgraded lighting, ceiling fans in the living area and all bedrooms, beautifully tiled showers in both bathrooms and window blinds throughout.
Additional features include smart home technology, an epoxy- coated garage floor, garage door opener, and an irrigation system using reclaimed water. Relax on your screened patio overlooking a water view, surrounded by professionally landscaping. Enjoy the community HOA Amenities and an added peace of mind of the remaining warranty.
This is a natural gas community. Furniture negotiable.
All 43 photos
Description provided by Berkshire Hathaway HomeService (Florida Park) and reproduced from the MLS; not independently verified.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$316,400the mess$349,600
Strong local evidence — built from 10 comparable closed sales in Grand Reserve & Golf Club (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 35 nearby closed sales.
Track record: across 2,804 recent closed sales we scored, the closed price landed inside the Messtimate range 63% of the time; median miss 8.9% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-11.
Actual list price: $289,000 ($175/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 10% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $5/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
3 active listings competing, 1 under contract
≈2.4 months of supply
5 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (10) + a local hedonic fit (35 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 11, 2026.
How it stacks up
Comparable recent sales
6 closed sales in Grand Reserve & Golf Club in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Apr 2026
$325,000
73 Lob Wedge Lane, Bunnell
3 / 2 bd/ba · 1,701 sq ft · $191/sq ft
Courtesy of RE/MAX Advantage · View details →
Sold Apr 2026
$325,000
73 Lob Wedge Lane, Bunnell
3 / 2 bd/ba · 1,701 sq ft · $191/sq ft
Courtesy of RE/MAX Advantage · View details →
Sold Jun 2026
$288,000
7 Grand Par Court, Bunnell
3 / 2 bd/ba · 1,718 sq ft · $168/sq ft
Courtesy of Coldwell Banker Coast Realty · View details →
Sold Jun 2026
$288,000
7 Grand Par Court, Bunnell
3 / 2 bd/ba · 1,718 sq ft · $168/sq ft
Courtesy of Coldwell Banker Coast Realty · View details →
Sold Dec 2025
$280,000
669 Grand Reserve Drive, Bunnell
3 / 2 bd/ba · 1,557 sq ft · $180/sq ft
Courtesy of RE/MAX Signature · View details →
Sold Dec 2025
$280,000
669 Grand Reserve Drive, Bunnell
3 / 2 bd/ba · 1,557 sq ft · $180/sq ft
Courtesy of RE/MAX Signature · View details →
Median of these 6 sales: $288,000 ($180/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$289,000
Bed / bath3 / 2
Living area1,655 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #1231964
Listing statuslisted Oct 21, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~29 ft
CountyFlagler
Area listings1 active · 0 under contract
Estimated first-year tax~$3,034/yr
CDD assessmentNone on record
HOA$5/mo
Calculated estimates
Price per sq ft$175
Estimated monthly payment$1,900
Insurance (illustrative)$500–$2k/yr
Messtimate range$278,040 – $316,105
Comparable-sales median$288,000
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
Financing
Estimated monthly payment
$1,900/mo
Principal & interest $1,566/mo82%
Taxes $253/mo13%
Insurance $76/mo4%
HOA $5/mo0%
$1,900/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
What it really costs to own 856 Grand Reserve Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
$5/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Flagler County is $1,626/yr (435 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $500–$1,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
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.)
~$3,034/yr
Estimate: a typical Flagler effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$5/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~29 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Flagler County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Flagler County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively Moderate
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Grand Reserve
Pricing & the Grand Reserve market
How this home is priced against recent nearby sales, and where Grand Reserve has been over 25 years. Momentum Research analysis of DBAMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2026BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 21, 2026)
Oct 23, 2026First seen on our siteObserved at $299,000
Oct 29, 2026Price cut$289,000 (-$10,000, -3.3%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $289,000Berkshire Hathaway HomeService (Florida Park) · listed Oct 21, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
69/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
69/100 is solid, mid-pack 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 area57
This home $175/sq ft vs the community 12-month median $180/sq ft.
Affordability49
List price $289,000 vs the community median $288,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~29 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity66
Community inventory, ~2.4 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
🟡 Asking $175 per square foot, about 3% below the community’s $180 median. Grand Reserve’s 12-month median sold price per square foot is $180. 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.
Similar homes for sale near Grand Reserve & Golf Club
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Infrastructure
Palm Coast planning board OKs 150-foot cell tower beside planned gas station and drive-thru at Sesame Blvd
The Palm Coast Planning Board approved a 150-foot cell tower on a 13-acre commercial-zoned site on Sesame Boulevard near Seminole Woods Boulevard by a 7-0 vote. It sits next to an approved commercial project with a 4,000-square-foot gas station and convenience store, a drive-thru restaurant and 5,000 square feet of office or retail space. Tower construction is expected in early 2027.
Why it matters: The tower should improve wireless coverage in the area, and the adjacent commercial project would add everyday fuel and food options for the Seminole Woods corridor. The site is about 2 miles northeast of Grand Reserve.
Palm Coast approves switch of Red Mill Drive site from 216 apartments to 216 attached single-family homes
The Palm Coast council unanimously approved changing a 35-acre site at 76 Red Mill Drive in the R-Section from a 216-unit apartment complex to a subdivision of 216 single-family houses in attached clusters. Lots will be 20 feet wide for interior units and 25 feet for exterior units, built in three phases with a quarter-acre dog park in the first phase.
Why it matters: The shift converts planned rental units to for-sale attached housing at the same density, adding ownership inventory in the R-Section. The site is less than a mile northeast of Grand Reserve.
Palm Coast council approves Lakeview Estates changes, swapping planned apartments for donated park land
The Palm Coast council voted 4-1 to amend the plan for Lakeview Estates, a 280-acre community on the former Matanzas Woods golf course in the L-Section. A tract once slated for 55 apartment and townhome units becomes a park with land donated by the developer, and 39 units move to another tract, trimming overall density by a dozen units. About 204 houses are already built on the first tract.
Why it matters: The change reduces planned density and adds public green space while limiting commercial build-out near U.S. 1, shaping housing supply in the L-Section. The site is about 4 miles northeast of Grand Reserve.
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.
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.
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 →
What's nearby
Drive times to everyday places
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
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 856 Grand Reserve Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2026: 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.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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 1,655 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 $3,034/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
DBAAR, checked against the MLS hourly (last: November 12, 2026)
Comparable sales
DBAAR closed sales in Grand Reserve & Golf Club, last 18 months, as of August 28, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
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 856 Grand Reserve Drive and when was it built?
Per the listing record, 856 Grand Reserve Drive was built in 2026 and has 1,655 sq ft of living area, 3 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 856 Grand Reserve Drive in?
856 Grand Reserve Drive is in Grand Reserve & Golf Club in Bunnell, Flagler County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 856 Grand Reserve Drive 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 856 Grand Reserve Drive differ from the current owner's?
The estimate on this page (about $3,034 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 856 Grand Reserve Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 856 Grand Reserve Drive 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.
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 jon@movewithmomentum.com and we will review and correct or remove it promptly.
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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.
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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.
