3145 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3145 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,477 sqft · built 2002
Owner	Individual Name on Record
Last Sale	$359,900 (Oct 2020)
Tax Bill	$4,684 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-1N-29-0346-00A00-0430`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00A00-0430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,477 sqft Heated Area
Gross Area	4,415 sqft
1st Floor Area	3,051 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Garage Area	574 sqft
Parking Spaces	6 Parking Spaces
Porch	Open Porch
Porch Area	65 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	351N29034600A000430
Street Address	3145 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 43 BLK A AS DES IN OR 4015 PG 257
Legal Range	29W
Legal Township	01N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	A
Legal Lot Number	43
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 October 27, 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	3145 BERNATH DR, MILTON, FL 32583-8454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2020 · Amount on Record
Deed Sale	Oct 15, 2020 · Amount on Record
Prior Sale	Nov 26, 2013 · Amount on Record
Deed Document Number	202053439
Deed Book / Page	4015 / 257
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 15, 2020
Property Address	3145 BERNATH DR, MILTON, FL 32583-8454
Document Number	0040150257
Book / Page	4015 / 257
Map Reference	MB F PG 10
Instrument Date	Oct 14, 2020
Instrument	202053439
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,519.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5707 6WINEVER LN, 5707, MILTON, FL 32583

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3145 BERNATH DR, MILTON, FL 32583-8454

Mortgage

Document Number	0004015259
Date	Oct 15, 2020
Instrument	4015/259

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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	$4,684.00 (+0.13%) Homeowner's exemption	$326,743 (+3%)	$386,433 (+5.12%) Land $18,750 Building $367,683
2023	$4,678.00 (-10.84%)	$317,226 (-5.9%)	$367,628 (+9.05%) Land $18,750 Building $348,878
2022	$5,247.00	$337,109	$337,109 Land $18,750 Building $318,359

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	10.0 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