3236 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3236 Bernath Dr, Milton, FL 32583

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,005 sqft · built 2009
Owner	2 Individual Names on Record
Last Sale	$170,000 (Dec 2015)
Tax Bill	$3,993 (2024)
Deeds & Mortgages	Oct 2023 Second Mortgage
Flood Zone	Zone AE (high risk)
APN	`35-1N-29-0346-00A00-0090`

Property Details

APN / Parcel Number

Primary APN	`35-1N-29-0346-00A00-0090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,005 sqft Heated Area
Gross Area	4,550 sqft
1st Floor Area	2,005 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Stone
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Garage Area	2,005 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	351N29034600A000090
Street Address	3236 BERNATH DR
City	MILTON
State	FL
Zip	32583-8467
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BERNATH PLACE (THE) LOT 9 BLK A AS DES IN OR 3482 PG 1158
Legal Range	29W
Legal Township	01N
Legal Section	35
Legal Subdivision	BERNATH PLACE (THE)
Legal Block	A
Legal Lot Number	9
Jurisdiction	SANTA ROSA FL
Township / Civil Division	AVALON-MULAT
Census Block Group	3
Census Block	3022
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	2 Individual Names on Record
Mailing Address	3236 BERNATH DR, MILTON, FL 32583-8467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on Record
Deed Sale	Dec 15, 2015 · Amount on Record
Deed Document Number	201546557
Deed Book / Page	3482 / 1158
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA ROSA FL
Property Address	3236 BERNATH DR, MILTON, FL 32583-8467
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3236 BERNATH DR, MILTON, FL 32583-8467

Mortgage

Document Number	0044411403
Date	Oct 10, 2023
Book Page	4441/1403
Instrument	202345940

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

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	$3,993.00 (+13.37%) Homeowner's exemption	$190,650 (+3%)	$310,277 (+6.8%) Land $12,500 Building $297,777
2023	$3,522.00 (+1.59%) Homeowner's exemption	$185,097 (+3%)	$290,509 (+10.81%) Land $12,500 Building $278,009
2022	$3,467.00 Homeowner's exemption	$179,706	$262,176 Land $12,500 Building $249,676

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 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 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 74% of the US · above 60% 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