3207 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3207 Bernath Dr, Milton, FL 32583 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,195 sqft · built 1997
Lot Size	0.558 acres (24,306 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Jul 2022)
Tax Bill	$5,949 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-1N-29-0346-00B00-0080`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00B00-0080`
Alternative APN	`N29135034600B000080`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,195 sqft Living Area
Gross Area	4,443 sqft
1st Floor Area	3,195 sqft
Upper Floors Area	580 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	24,306 sqft (0.558 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3207 BERNATH DR
City	MILTON
State	FL
Zip	32583-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNATH PLACE (THE) LOT 8 BLK B AS DES IN OR 4310 PG 930
Legal Range	29W
Legal Township	1N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	B
Legal Lot Number	8
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3023
Census Tract	10709

Owner

Source: Santa Rosa County records · APN 35-1N-29-0346-00B00-0080

Assessment roll updated December 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3207 BERNATH DR, MILTON, FL 32583-8455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 02, 2017	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Jun 02, 2017 · Amount on Record
Deed Document Number	202244429
Deed Book / Page	4310 / 930
Record Updated	Jun 08, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jul 28, 2022
Property Address	3207 BERNATH DR, MILTON, FL 32583-8455
Document Number	0043100930
Book / Page	4310 / 930
Map Reference	MB F PG 10
Instrument Date	Jul 20, 2022
Instrument	202244429
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	ACER TITLE AND ESCROW LLC, ANCHOR TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7956 MAJESTIC CYPRESS DR, 7956, MILTON, FL 32583-2996

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 BERNATH DR, MILTON, FL 32583-8455

Mortgage

Document Number	0004310932
Date	Jul 28, 2022
Instrument	4310/932

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Jun 02, 2017
Property Address	3207 BERNATH DR, MILTON, FL 32583-8455
Document Number	0036292036
Book / Page	3629 / 2036
Map Reference	MB F PG10
Instrument Date	May 31, 2017
Instrument	201722276
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,704.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	19343 YELLOW CLOVER DR, 19343, TAMPA, FL 33647-3669

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 BERNATH DR, MILTON, FL 32583-8455

Mortgage

Document Number	0201722277
Date	Jun 02, 2017
Instrument	201722277

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 01, 2037

Tax Assessment & Valuation

Source: Santa Rosa County records · Assessment roll updated December 8, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Santa Rosa County
Unified School District	Santa Rosa County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$364,221 (+0.05%) Land $18,500 Building $345,721	$364,221 (-2.4%) Land $18,500 Building $345,721
2024	$5,949.00 (+2.46%) Homeowner's exemption	$364,057 (+3%)	$373,164 (+5.58%) Land $12,500 Building $360,664
2023	$5,806.00 (+2.69%)	$353,453 (+17.93%) Land $12,500 Building $340,953	$353,453 (+17.93%) Land $12,500 Building $340,953
2022	$5,654.00	$299,718	$299,718 Land $12,500 Building $287,218

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Santa Rosa County (12113C), updated November 18, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 121130107093, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 199 individual NFIP policies nearby
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, rainfall accumulation, Hurricane Sally
Claims By Storm	Hurricane Sally, Sep 2020 · 37 claims Hurricane Frances, Sep 2004 · 13 claims

Wildfire

Wildfire Risk	High above 74% of the US · above 58% of Florida
Wildfire Likelihood	About 1 in 412 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Mediacom Communications	Cable	1,000 / 50
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Bernath Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures