Santa Rosa County property record for 3156 Bernath Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,987 sqft · built 2014 |
| Lot Size | 0.73 acres (31,799 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $76,000 (Apr 2003) |
| Tax Bill | $5,463 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Apr 2022 Second Mortgage |
| Flood Zone | Zone VE (high risk) |
| APN | 35-1N-29-0346-00A00-0260 |
| Primary APN | 35-1N-29-0346-00A00-0260 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,987 sqft Living Area |
| Gross Area | 4,762 sqft |
| 1st Floor Area | 2,276 sqft |
| Upper Floors Area | 711 sqft |
| Attic | Attic |
| Attic Area | 363 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 31,799 sqft (0.73 acres) |
| Lot Dimensions | 265 ft deep x 120 ft wide |
| View / Lot | Bayou |
| Garage Type | Attached |
| Garage Area | 544 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 238 sqft |
| Deck Area | 630 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3156 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 26 BLK A AS DES IN OR 2132 PG 91 SUBJ TO CONSV ESMNT IN OR 2863 PG 1691 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 35 |
| Legal Subdivision | BERNATH PLACE (THE) |
| Legal Block | A |
| Legal Lot Number | 26 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 10709 |
3156 Bernath Dr is owner-occupied and held in a trust since August 2026.
Source: Santa Rosa County records, as of September 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3156 BERNATH DR, MILTON, FL 32583-8453 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Aug 11, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Apr 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GULF WINDS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2003 · Amount on File |
| Deed Sale | Apr 23, 2003 · Amount on File |
| Prior Sale | Jun 30, 1999 · Amount on File |
| Deed Book / Page | 2132 / 91 |
| Last Transfer Date | Aug 10, 2026 |
| Transfer Doc | 0000040492 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 11, 2026 |
| Property Address | 3156 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0000040492 |
| Book / Page | 4777 / 707 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202640492 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3156 BERNATH DR, MILTON, FL 32583-8453 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3156 BERNATH DR, MILTON, FL 32583-8453 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3156 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0042680903 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 4268/903 |
| Instrument | 202220794 |
| Name | GULF WINDS FCU |
|---|---|
| Type | Credit Union |
| Address | PENSACOLA, FL 32534 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 145 Months |
| Due | May 1, 2034 |
The 2025 property tax bill for 3156 Bernath Dr was $5,463 with a homeowner's exemption, up 2% from the year before.
Source: Santa Rosa County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Santa Rosa County |
| Unified School District | Santa Rosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,463.00 (+1.96%) Homeowner's exemption | $325,504 (+2.9%) | $519,657 (+3.71%) Land $144,000 Building $375,657 |
| 2024 | $5,358.00 (+7.33%) Homeowner's exemption | $316,330 (+7.79%) | $501,080 (+7.79%) Land $108,000 Building $393,080 |
| 2023 | $4,992.00 (+1.75%) Homeowner's exemption | $293,460 (+3%) | $464,870 (+25.26%) Land $108,000 Building $356,870 |
| 2022 | $4,906.00 Homeowner's exemption | $284,913 | $371,113 Land $54,000 Building $317,113 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3156 Bernath Dr in Zone VE, a high-risk coastal 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 VE high risk · coastal, wave action |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 12.0 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 |
|
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 risk around 3156 Bernath Dr is moderate, ranking above 45% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures