3188 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3188 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,420 sqft · built 1994
Lot Size	0.581 acres (25,301 sqft)
Owner	2 Individual Names on File
Last Sale	$232,500 (Dec 2016)
Tax Bill	$5,167 (2024)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-1N-29-0346-00A00-0180`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00A00-0180`
Alternative APN	`N29135034600A000180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,420 sqft Living Area
Gross Area	4,030 sqft
1st Floor Area	2,420 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1999
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	25,301 sqft (0.581 acres)
View / Lot	Bayou
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	218 sqft
Deck Area	932 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3188 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 18 BLK A AS DES IN OR 4237 PG 144
Legal Range	29W
Legal Township	1N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	A
Legal Lot Number	18
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3022
Census Tract	10709

Owner

3188 Bernath Dr is owned and occupied by two individuals who bought it in December 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3188 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2016 · Amount on File
Deed Sale	Dec 27, 2016 · Amount on File
Prior Sale	Jul 6, 2011 · Amount on File
Deed Document Number	201651202
Deed Book / Page	3586 / 60
Prior Transfer Date	Mar 25, 2009
Prior Transfer Doc	0028891628
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jan 25, 2022
Property Address	3188 BERNATH DR, MILTON, FL 32583-8453
Document Number	0042370144
Book / Page	4237 / 144
Map Reference	MB F PG 10
Instrument Date	Jan 24, 2022
Instrument	202204351
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3485 FESTIVAL DR, 3485, PACE, FL 32571-8630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3188 BERNATH DR, MILTON, FL 32583-8453

Mortgage

Document Number	0004237146
Date	Jan 25, 2022
Instrument	4237/146

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

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		$319,210 (+1.81%) Land $26,950 Building $292,260	$319,210 (-3.19%) Land $26,950 Building $292,260
2024	$5,167.00 (+0.53%) Homeowner's exemption	$313,546 (+3%)	$329,744 (+8.32%) Land $26,950 Building $302,794
2023	$5,140.00 (-4.05%)	$304,414 (+9.48%) Land $22,050 Building $282,364	$304,414 (+9.48%) Land $22,050 Building $282,364
2022	$5,357.00	$278,059	$278,059 Land $22,050 Building $256,009

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

Flood

FEMA maps place 3188 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	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	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 3188 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.

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