10449 Bernice Rd, Milton, FL 32583 Property Records

Santa Rosa County property record for 10449 Bernice Rd, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,697 sqft · built 1997
Lot Size	2.68 acres (116,741 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2025)
Tax Bill	$884 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-1N-26-0000-00109-0000`

Property Details

APN / Parcel Number

Primary APN	`06-1N-26-0000-00109-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,697 sqft Heated Area
Gross Area	2,183 sqft
1st Floor Area	1,697 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	116,741 sqft (2.68 acres)
Garage Type	Carport
Carport	Carport
Carport Area	1 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	256 sqft
Patio Area	230 sqft
Shed	1 Shed
Shed Area	1 sqft
Stable	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	061N260000001090000
Street Address	10449 BERNICE RD
City	MILTON
State	FL
Zip	32583-7131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-RR
Legal Description	COM NE CORN LOT 2 THN S432 56 W 60 FT TO S R/W OF RD FOR POB & CONT 386.98 FT THN N86 40'35W 631.96 FT TO E R/W OF SANTA
Legal Range	26W
Legal Township	01N
Legal Section	06
Legal Lot Number	2
Jurisdiction	SANTA ROSA FL
Township / Civil Division	EAST MILTON
Census Block Group	3
Census Block	3054
Census Tract	10808

Owner

Source: Santa Rosa County records, as of December 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	10449 BERNICE RD, MILTON, FL 32583-7131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Warranty Deed, Transfer · VA Mortgage THE MORTGAGE FIRM INC
Dec 13, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2025 · Amount on Record
Deed Sale	Dec 17, 2025 · Amount on Record
Prior Sale	Dec 13, 2021
Deed Document Number	202558755
Deed Book / Page	4689 / 1931
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 17, 2025
Property Address	10449 BERNICE RD, MILTON, FL 32583-7131
Document Number	0046891931
Book / Page	4689 / 1931
Instrument Date	Dec 15, 2025
Instrument	202558755
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4520 MORNINGSIDE LN, MILTON, FL 32583-1772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10449 BERNICE RD, MILTON, FL 32583-7131

Mortgage

Document Number	0046891934
Date	Dec 17, 2025
Instrument	4689/1934

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 13, 2021
Property Address	10449 BERNICE RD, MILTON, FL 32583-7131
Document Number	0042191790
Book / Page	4219 / 1790
Instrument Date	Dec 13, 2021
Instrument	202182314
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10449 BERNICE RD, MILTON, FL 32583-7131

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$884.00 (+3.03%) Homeowner's exemption Widower's exemption	$111,211 (+3%)	$212,675 (+2.97%) Land $51,456 Building $161,219
2023	$858.00 (-2.83%) Homeowner's exemption Widower's exemption	$107,972 (+3%)	$206,550 (+10.19%) Land $47,168 Building $159,382
2022	$883.00 Homeowner's exemption Widower's exemption	$104,827	$187,441 Land $36,448 Building $150,993

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 45% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST MILTON WATER SYSTEM public/private · serves 17,292 people · EPA ID FL1570232
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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