Santa Rosa County property record for 3191 Bernath Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,074 sqft · built 1999 |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Jun 2021) |
| Tax Bill | $4,722 (2024) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Sale + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 35-1N-29-0346-00A00-0450 |
| Primary APN | 35-1N-29-0346-00A00-0450 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,074 sqft Heated Area |
| Gross Area | 3,010 sqft |
| 1st Floor Area | 2,602 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stone |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Material | Shingle |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 351N29034600A000450 |
|---|---|
| Street Address | 3191 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 45 BLK A AS DES IN OR 4131 PG 1296 |
| Legal Range | 29W |
| Legal Township | 01N |
| Legal Section | 35 |
| Legal Subdivision | BERNATH PLACE (THE) |
| Legal Block | A |
| Legal Lot Number | 45 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 10709 |
3191 Bernath Dr is owned and occupied by an individual who bought it in June 2021.
Source: Santa Rosa County records, as of October 27, 2025
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3191 BERNATH DR, MILTON, FL 32583-8454 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 10, 2021 | Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE FIRM INC |
| Jun 10, 2021 | Warranty Deed, Transfer DOWD TITLE GROUP LLC, DOWD & DITMAR TTL GROUP LLC |
| Nov 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BBVA USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2021 · Amount on File |
| Deed Sale | Jun 10, 2021 · Amount on File |
| Prior Sale | Nov 17, 2014 · Amount on File |
| Deed Document Number | 202139041 |
| Deed Book / Page | 4131 / 1296 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3191 BERNATH DR, MILTON, FL 32583-8454 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2023 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Name | Verified Name |
|---|---|
| Address | 8196 CLARK RD, FORT GEORGE G MEADE, MD 20755-1111 |
| Document Number | 0041311300 |
|---|---|
| Date | Jun 10, 2021 |
| Book Page | 4131/1300 |
| Instrument | 202139042 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jun 10, 2021 |
| Property Address | 3191 BERNATH DR, MILTON, FL 32583-8454 |
| Document Number | 0041311296 |
| Book / Page | 4131 / 1296 |
| Map Reference | MB F PG 10 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 202139041 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2021 |
| Title Company | DOWD TITLE GROUP LLC, DOWD & DITMAR TTL GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 911 GULF BREEZE PKWYB, 911, GULF BREEZE, FL 32561 |
| Name | Verified Name |
|---|---|
| Address | 8196 CLARK RD, FORT GEORGE G MEADE, MD 20755-1111 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3191 BERNATH DR, MILTON, FL 32583-8454 |
| Document Number | 0040371643 |
| Instrument Date | Nov 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 913 GULF BREEZE PKWY GULF BREEZE FL 325614754, GULF BREEZE, FL 32561-4754 |
| Document Number | 0040371643 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 004037/001643 |
| Instrument | 65016 |
| Name | BBVA USA |
|---|---|
| Address | PO BOX 797808, DALLAS, TX 75379-7808 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 2, 2045 |
| Rate | 4.25% |
|---|
Source: Santa Rosa County assessment roll, as of July 1, 2024
| 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 |
|---|---|---|---|
| 2024 | $4,722.00 (-0.34%) Homeowner's exemption Disabled Person's exemption | $283,029 (+3%) | $292,784 (+6.55%) Land $16,250 Building $276,534 |
| 2023 | $4,738.00 (-5.05%) | $274,785 (+9.38%) Land $16,250 Building $258,535 | $274,785 (+9.38%) Land $16,250 Building $258,535 |
| 2022 | $4,990.00 | $251,214 | $251,214 Land $16,250 Building $234,964 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3191 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 |
|
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 3191 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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