3229 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3229 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,027 sqft · built 1994
Lot Size	0.407 acres (17,729 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Oct 2020)
Tax Bill	$3,643 (2024)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`35-1N-29-0346-00B00-0050`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00B00-0050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,027 sqft Heated Area
Gross Area	3,014 sqft
1st Floor Area	2,519 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Brick
Construction Type	Wood
Foundation Type	Masonry
Roof Material	Shingle
Lot Area	17,729 sqft (0.407 acres)
Lot Dimensions	1,970 ft deep x 900 ft wide
Garage Area	492 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	255 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	351N29034600B000050
Street Address	3229 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 5 BLK B AS DES IN OR 4011 PG 896
Legal Range	29W
Legal Township	01N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	B
Legal Lot Number	5
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3229 BERNATH DR, MILTON, FL 32583-8455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2020 · Amount on Record
Deed Sale	Oct 6, 2020 · Amount on Record
Deed Document Number	202051471
Deed Book / Page	4011 / 896
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANTA ROSA FL
Recording Date	Oct 6, 2020
Property Address	3229 BERNATH DR, MILTON, FL 32583-8455
Document Number	0040110896
Book / Page	4011 / 896
Map Reference	MB F PG 10
Instrument Date	Oct 2, 2020
Instrument	202051471
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3014 EAGLE BLUFF WAY, 3014, GREEN COVE SPRINGS, FL 32043-8705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3229 BERNATH DR, MILTON, FL 32583-8455

Mortgage

Document Number	0004011898
Date	Oct 6, 2020
Instrument	4011/898

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	$3,643.00 (+6.09%) Homeowner's exemption	$183,991 (+3%)	$247,337 (+5.44%) Land $12,500 Building $234,837
2023	$3,434.00 (+1.57%) Homeowner's exemption	$178,632 (+3%)	$234,586 (+9.33%) Land $12,500 Building $222,086
2022	$3,381.00 Homeowner's exemption	$173,429	$214,573 Land $12,500 Building $202,073

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