David Ramirez

14453 ANDALUSIA TRAIL, BUNNELL, FL, 32110

Active44 days on marketListed Jun 10, 2026MLS #O6414262

Waterfront

About this home

14453 ANDALUSIA TRAIL

Exceptional LAKEFRONT HOMESITE featuring PREDOMINATLY HIGH-AND-DRY acreage, a CLEARED LANDSCAPE with minimal or no tree removal needed. This premium property is ready for construction, providing the perfect canvas to BUILD YOUR CUSTOM WATERFRONT ESTATE. The location is on  CRESCENT LAKE —one of the 10 largest lakes in Florida — featuring a WELL-PROPORTIONED — RECTANGULAR — 6.1 ACRE parcel within the PRIVATE, GATED, WATERFRONT, EQUESTRIAN COMMUNITY of ANDALUSIA BAY. The community encompasses 24 unique five-to-ten-acre homesites, each with its own access to Crescent Lake and NAVIGABLE WATER TO THE ST. JOHN'S RIVER. This HOMESITE — LOT 19, boasts 200 FEET of PRIME LAKE FRONTAGE, offering a rare opportunity to enjoy a unique lifestyle that blends natural beauty with upscale country living. Boating enthusiasts will love the lake’s pristine waters, ideal for leisurely cruises, DOCK-and-DINE BOAT ACCESSIBLE RESTAURANTS, thrilling water sports, kayaking, paddleboarding, and some of Florida’s best bass fishing — which you can enjoy right from the lakeshore where you can BUILD YOUR PRIVATE DOCK. There is ample room to embrace the charm of country living — whether it’s the joy of gardening, outdoor activities, pet parenting, or, for horse lovers, building a barn, stable, and paddocks in the generous open space. Ideally located approximately 25 to 30 minutes from shopping, Flagler Beach's beautiful shores, just south of the St. Johns Equestrian Center, and the proposed growth expansion of Bunnell's Reserve at Haw Creek, Andalusia Bay offers the perfect balance of convenience and peaceful waterfront privacy. From the secluded, magnificent surroundings, you’ll EXPERIENCE BREATHTAKING SUNRISES AND SUNSETS — showcasing the perfect place to BUILD YOUR FOREVER HOME. Builder of your choice. No restriction the on time frame for building. *CLICK ON VIRTUAL TOUR.* Call to obtain more information and schedule showings.

Facts & features

The home at a glance

6.1 ac

Lot size

WaterfrontWater viewPets allowed

Inside

Outside & construction

ViewWater

Community & fees

HOA fee$115/mo
Taxes (2025)$3,971/yr
PetsYes
CommunityWater Access · Waterfront · Gated Community - No Guard · Horses Allowed

Utilities & systems

UtilitiesElectrical Nearby · Other
WaterNone

The numbers

What it really costs

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

$2,979 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,208
FHA mortgage insurance (est.)$166
Property tax — 2025 actual bill$331
HOA fee — from the listing$115
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,125Loan30-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% · $13,125
Interest rate6.00%
Loan term

Estimated payment

$2,979/mo

Principal & interest$2,208
FHA mortgage insurance (est.)$166
Property taxes (actual bill)$331
HOA / condo fee$115
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 14453 ANDALUSIA 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)

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

This home is listed 37% above the BUNNELL 32110 median. See the full Bunnell market guide →

Paper trail

This home's history

Jun 10, 2026Listed at $375,000 · 44 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 14453 ANDALUSIA 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 14453 ANDALUSIA 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

14453 ANDALUSIA TRAIL FAQs

What would the monthly payment be for 14453 ANDALUSIA TRAIL?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,979/mo — principal and interest, the actual property-tax bill, the $115/mo association fee 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.

How much are the HOA fees at 14453 ANDALUSIA TRAIL?+

The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 14453 ANDALUSIA TRAIL?+

The most recent tax bill on record (2025) was $3,971. 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 14453 ANDALUSIA 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 $375,000, this home is listed about 23% above the Bunnell median of $305,350. The market section on this page shows how the area is trending.

Which schools are assigned to 14453 ANDALUSIA 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 LPT REALTY, LLC · Carol Pressey LLC. MLS #O6414262.

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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