David Ramirez
$1,700,0003 bd3 ba2,333 sqft$729 /sqft$10,605 /mo all-in ↓

103 SWEETWATER TRAIL, BUNNELL, FL, 32110

Active38 days on marketListed Jun 12, 2026MLS #FC319217

WaterfrontPrivate poolSingle Family ResidenceSWEETWATER UN 1

About this home

103 SWEETWATER TRAIL

This isn't a house listing. This is a compound listing. Sitting on 10.3 private acres inside Sweetwater Estates, 103 Sweetwater Trail is one of one. A fully operational live-work-play estate where the home, the office, the shop, the garage, the pond, and the land all work together as a single asset — and nothing like it exists in this market. The main residence delivers 2,300 square feet of 3-bedroom, 3-bathroom living, refined and ready. But step outside and the property opens up into something else entirely. The attached 1,750 square foot four-bay garage sits next to the main home, already insulated and fully prepped for AC and heat built to function, not just store. Behind it, a 6,000 square foot building anchors the back of the property: 2,000 square feet of professional office space complete with a dedicated bedroom, full bathroom, conference room, and coffee bar...and 4,000 square feet of high-clearance shop large enough to bring in a full-size semi truck. Tools and equipment negotiable with the right offer. Need workspace that doesn't feel like a commute? The 2,000 square foot executive office suite is a fully separate professional environment private entrance, full bath, conference room, and coffee bar. Run your business from your backyard. The land itself is the final layer. A stocked 2.5-acre pond. Your own shooting range. Room for horses, cattle, or whatever you're building toward. Zoned AC agriculture commercial meaning the land works as hard as you do. Here's the part that sets this apart from every other HOA community property in the county: this parcel sits within the Sweetwater Estates HOA but is exempt from its restrictions. You get every amenity the community offers with zero limitations on what you can do with your land. Ten acres. One owner. Zero compromise.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,333

Sqft

10.3 ac

Lot size

4

Garage

2008

Year built

One

Levels

$729

Per sqft

Private poolWaterfrontFireplaceTrees/Woods viewNegotiablePets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Dryer · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionICFs (Insulated Concrete Forms)
FoundationSlab
ViewTrees/Woods
FacesNortheast
ExteriorDog Run · French Doors · Irrigation System · Kennel · Outdoor Grill · Private Entrance · Private Yard · Rain Gutters · RV Hookup · Sliding Doors · Storage

Community & fees

Taxes (2025)$7,612/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sprinkler Well · Underground Utilities · Water Connected
WaterPrivate

The numbers

What it really costs

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

$10,605 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,173
PMI (est., until 20% equity)$638
Property tax — 2025 actual bill$634
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $170,000Loan30-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% · $170,000
Interest rate6.00%
Loan term

Estimated payment

$10,605/mo

Principal & interest$9,173
PMI (est., until 20% equity)$638
Property taxes (actual bill)$634
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

$729 vs $200

Days on market

38 vs 33 typical

Where $729/sqft sits among the 79 Bunnell actives

63
10
3
2
1
0 · this home
$138–236$236–335$335–433$433–532$532–630$630+

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 103 SWEETWATER TRAIL

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)

36 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 499% above the BUNNELL 32110 median. See the full Bunnell market guide →

Paper trail

This home's history

Jun 12, 2026Listed at $1,700,000 · 38 days on market since
2008Built · SWEETWATER UN 1

Reality check

What actually sold near 103 SWEETWATER TRAIL

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

110 CREEKSIDE DRIVESold · Jul ’25

$950,000

110 CREEKSIDE DRIVE · same community

2 bd · 2.5 ba · 2,478 sqft · $383/sqft · 126 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 103 SWEETWATER TRAIL — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 103 SWEETWATER TRAIL — before you fall in love.

See it in person

Schedule a tour

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

Goes straight to David’s phone and CRM.

Straight answers

103 SWEETWATER TRAIL FAQs

What would the monthly payment be for 103 SWEETWATER TRAIL?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,605/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 103 SWEETWATER TRAIL?+

The most recent tax bill on record (2025) was $7,612. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 103 SWEETWATER TRAIL?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Bunnell?+

At $1,700,000, this home is listed about 457% above the Bunnell median of $305,350. The market section on this page shows how the area is trending.

Which schools are assigned to 103 SWEETWATER TRAIL?+

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 REAL BROKER, LLC · Ronnie Ward. MLS #FC319217.

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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