3223 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3223 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,892 sqft · built 1997
Lot Size	0.407 acres (17,729 sqft)
Owner	Owner Name on Record
Last Sale	$141,000 (Dec 2001)
Tax Bill	$2,937 (2024)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`35-1N-29-0346-00B00-0060`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00B00-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,892 sqft Heated Area
Gross Area	2,472 sqft
1st Floor Area	2,312 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	17,729 sqft (0.407 acres)
Lot Dimensions	1,970 ft deep x 900 ft wide
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	351N29034600B000060
Street Address	3223 BERNATH DR
City	MILTON
State	FL
Zip	32583-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BERNATH PLACE (THE) LOT 6 BLK B S DES IN OR 1969 PG 1594
Legal Range	29W
Legal Township	01N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	B
Legal Lot Number	6
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, as of October 27, 2025

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

Owner of Record	Owner Name on Record
Mailing Address	3223 BERNATH DR, MILTON, FL 32583-8455
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2001 · Amount on Record
Deed Sale	Dec 27, 2001 · Amount on Record
Prior Sale	Mar 15, 1999 · Amount on Record
Deed Document Number	0196901594
Deed Book / Page	01969 / 01594
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3223 BERNATH DR, MILTON, FL 32583-8455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040350392
Date	Nov 30, 2020
Book Page	4035/392
Instrument	202063796

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of July 1, 2024

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
2024	$2,937.00 (+1%) Homeowner's exemption	$126,004 (+3%)	$225,727 (+5.41%) Land $12,500 Building $213,227
2023	$2,670.00 (+1.41%) Homeowner's exemption	$122,334 (+3%)	$214,133 (+10.34%) Land $12,500 Building $201,633
2022	$2,633.00 Homeowner's exemption	$118,771	$194,069 Land $12,500 Building $181,569

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.3% 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