3124 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3124 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,339 sqft · built 2000
Lot Size	0.692 acres (30,144 sqft)
Owner	2 Individual Names on Record
Last Sale	$212,000 (Mar 2011)
Tax Bill	$4,029 (2024)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-1N-29-0346-00A00-0340`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00A00-0340`
Alternative APN	`N29135034600A000340`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,339 sqft Living Area
Gross Area	3,858 sqft
1st Floor Area	2,339 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	30,144 sqft (0.692 acres)
Lot Dimensions	377 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	239 sqft
Deck Area	752 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3124 BERNATH DR
City	MILTON
State	FL
Zip	32583-8453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BERNATH PLACE (THE) LOT 34 BLK A AS DES IN OR 3045 PG 738
Legal Range	29W
Legal Township	1N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	A
Legal Lot Number	34
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3022
Census Tract	10709

Owner

Source: Santa Rosa County records, as of December 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	6319 WARREN RD, MILTON, FL 32583-7687
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2011 · Amount on Record
Deed Sale	Mar 18, 2011 · Amount on Record
Prior Sale	Dec 17, 2010 · Amount on Record
Deed Document Number	20119896
Deed Book / Page	3045 / 738
Prior Transfer Date	Dec 29, 1997
Prior Transfer Doc	0016570876
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3124 BERNATH DR, MILTON, FL 32583-8453
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6319 WARREN RD, MILTON, FL 32583-7687

Mortgage

Document Number	0039990753
Date	Sep 2, 2020
Book Page	3999/753
Instrument	202045514

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

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
2025		$219,554 (+2.9%)	$375,760 (+3.29%) Land $96,000 Building $279,760
2024	$4,029.00 (+5.44%) Homeowner's exemption	$213,366 (+3%)	$363,799 (+6.31%) Land $72,000 Building $291,799
2023	$3,821.00 (+1.62%) Homeowner's exemption	$207,151 (+3%)	$342,190 (+21.79%) Land $72,000 Building $270,190
2022	$3,760.00 Homeowner's exemption	$201,117	$280,970 Land $36,000 Building $244,970

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 199 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	199 in force
Nearby Flood Claims	56 (1995–2020)
Claims Outside the SFHA	1 of 56
Most Recent Claim	Sep 2020 · Hurricane Sally
Claims by Event	Hurricane Sally, Sep 2020 · 37 claims Hurricane Frances, Sep 2004 · 13 claims

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 66% of the US · above 43% 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	PACE WATER SYSTEM, INC. private · serves 49,328 people · EPA ID FL1570671
Water Source	Groundwater
Last State Inspection	Jun 2024
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	1 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50