3131 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3131 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,982 sqft · built 2003
Owner	Individual Name on File
Last Sale	$419,900 (Dec 2025)
Tax Bill	$4,503 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-1N-29-0346-00A00-0410`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00A00-0410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,982 sqft Heated Area
Gross Area	2,700 sqft
1st Floor Area	2,452 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	248 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	351N29034600A000410
Street Address	3131 BERNATH DR
City	MILTON
State	FL
Zip	32583-8454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BERNATH PLACE (THE) LOT 41 BLK A AS DES IN OR 2912 PG 1292 & OR 3403 PG 971 (FJ)
Legal Range	29W
Legal Township	01N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	A
Legal Lot Number	41
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3022
Census Tract	10709

Owner

3131 Bernath Dr is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3131 BERNATH DR, MILTON, FL 32583-8454
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on File
Deed Sale	Dec 11, 2025 · Amount on File
Prior Sale	Aug 12, 2025 · Amount on File
Deed Document Number	202557933
Deed Book / Page	4688 / 219
Record Updated	Jun 8, 2026

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Dec 11, 2025
Property Address	3131 BERNATH DR, MILTON, FL 32583-8454
Document Number	0046880219
Book / Page	4688 / 219
Map Reference	MB F PG 10
Instrument Date	Dec 9, 2025
Instrument	202557933
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	MAJESTY TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,939.30
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4006 S MACDILL AVE, TAMPA, FL 33611-1545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3131 BERNATH DR, MILTON, FL 32583-8454

Mortgage

Document Number	0004688221
Date	Dec 11, 2025
Instrument	4688/221

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$4,503.00 (+1.72%)	$222,416 (+5%) Land $10,625 Building $211,791	$222,416 (+5%) Land $10,625 Building $211,791
2023	$4,427.00 (+5.08%)	$211,831 (+8.95%) Land $10,625 Building $201,206	$211,831 (+8.95%) Land $10,625 Building $201,206
2022	$4,213.00	$194,425	$194,425 Land $10,625 Building $183,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3131 Bernath Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 3131 Bernath Dr is moderate, ranking above 66% of the US, with a 0.2% annual chance of 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