Santa Rosa County property record for 3172 Bernath Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,964 sqft · built 1997 |
| Lot Size | 0.394 acres (17,163 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (Nov 2023) |
| Tax Bill | $5,425 (2024) |
| Deeds & Mortgages | Nov 2023 Sale Nov 2020 Mortgage + 3 more |
| Flood Zone | Zone VE (high risk) |
| APN | 35-1N-29-0346-00A00-0220 |
| Primary APN | 35-1N-29-0346-00A00-0220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,964 sqft Living Area |
| Gross Area | 2,691 sqft |
| 1st Floor Area | 1,964 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 17,163 sqft (0.394 acres) |
| Lot Dimensions | 191 ft deep x 90 ft wide |
| View / Lot | Bayou |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 122 sqft |
| Patio Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3172 BERNATH DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-8453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | **UPDATED 2024** BERNATH PLACE (THE) LOT 22 BLK A (PB F PG 10) AS DES IN OR 4448 PG 679 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 35 |
| Legal Subdivision | BERNATH PLACE (THE) |
| Legal Block | A |
| Legal Lot Number | 22 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 10709 |
3172 Bernath Dr is owned and occupied by two individuals who bought it in November 2023.
Source: Santa Rosa County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| 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.
| Date | Document |
|---|---|
| Nov 3, 2023 | Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Nov 2, 2020 | Deed of Trust, Mortgage · VA Mortgage TRIDENT HOME LOANS LLC |
| Oct 21, 2020 | Intrafamily Transfer, Transfer · VA Mortgage TRIDENT HOME LOANS |
| Aug 12, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Jul 23, 2018 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2023 · Amount on File |
| Deed Sale | Nov 3, 2023 · Amount on File |
| Prior Sale | Oct 21, 2020 · Amount on File |
| Deed Document Number | 202349747 |
| Deed Book / Page | 4448 / 679 |
| Prior Transfer Date | Oct 10, 2020 |
| Prior Transfer Doc | 0040170784 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Nov 3, 2023 |
| Property Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0044480679 |
| Book / Page | 4448 / 679 |
| Map Reference | MB F PG 10 |
| Instrument Date | Nov 2, 2023 |
| Instrument | 202349747 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $3,990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5613 VOYAGER DR, MILTON, FL 32583-9586 |
| Name | Verified Name |
|---|---|
| Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0040230547 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 4023/547 |
| Instrument | 202057566 |
| Name | TRIDENT HOME LOANS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PENSACOLA, FL 32501 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Oct 21, 2020 |
| Property Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0040170784 |
| Book / Page | 4017 / 784 |
| Map Reference | MB F PG 10 |
| Instrument Date | Oct 10, 2020 |
| Instrument | 202054614 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2021 |
| Title Company | CLEAR TTL OF NORTHWEST FL LL |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0004017793 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 4017/793 |
| Name | TRIDENT HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 12, 2019 |
| Property Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0038582057 |
| Book / Page | 003858 / 002057 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 35221 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3172 BERNATH DR MILTON FL 325838453, MILTON, FL 32583-8453 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 23, 2018 |
| Property Address | 3172 BERNATH DR, MILTON, FL 32583-8453 |
| Document Number | 0037500768 |
| Book / Page | 003750 / 000768 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 31305 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2018 |
| Title Company | CLEAR TITLE/NW FL LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,977.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3172 BERNATH DR MILTON FL 325838453, MILTON, FL 32583-8453 |
| Document Number | 37500770 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 003750/000770 |
| Instrument | 31306 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 22, 2048 |
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 | $353,987 (+2.9%) | $359,218 (+4.42%) Land $108,000 Building $251,218 | |
| 2024 | $5,425.00 (+0.5%) Homeowner's exemption | $344,011 (+11.91%) Land $81,000 Building $263,011 | $344,011 (+11.91%) Land $81,000 Building $263,011 |
| 2023 | $5,398.00 (+10.66%) | $307,404 (+26.5%) Land $81,000 Building $226,404 | $307,404 (+26.5%) Land $81,000 Building $226,404 |
| 2022 | $4,878.00 | $243,014 | $243,014 Land $40,500 Building $202,514 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 3172 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 3172 Bernath Dr is high, ranking above 73% 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 | High above 73% of the US · above 58% 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.
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 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 |
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