Santa Rosa County property record for 3248 Bernath Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,005 sqft · built 2009 |
| Lot Size | 0.669 acres (29,142 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Mar 2023) |
| Tax Bill | $6,155 (2024) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 35-1N-29-0346-00A00-0070 |
| Primary APN | 35-1N-29-0346-00A00-0070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,005 sqft Living Area |
| Gross Area | 4,550 sqft |
| 1st Floor Area | 2,005 sqft |
| Utility Area | 2,005 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 29,142 sqft (0.669 acres) |
| Garage Type | Attached |
| Garage Area | 2,005 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Unfinished Open Porch |
| Porch Area | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3248 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 7 BLK A AS DES IN OR 4379 PG 1964 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 35 |
| Legal Subdivision | BERNATH PLACE (THE) |
| Legal Block | A |
| Legal Lot Number | 7 |
| Jurisdiction | SANTA ROSA FL |
| Township / Civil Division | AVALON-MULAT |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 10709 |
Source: Santa Rosa County records, as of May 21, 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 Record |
|---|---|
| Mailing Address | 3248 BERNATH DR, MILTON, FL 32583-8467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2023 | Warranty Deed, Transfer · VA Mortgage UNIVERSITY BANK |
| Aug 20, 2021 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2023 · Amount on Record |
| Deed Sale | Mar 29, 2023 · Amount on Record |
| Prior Sale | Aug 20, 2021 · Amount on Record |
| Deed Document Number | 202313222 |
| Deed Book / Page | 4379 / 1964 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Mar 29, 2023 |
| Property Address | 3248 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0043791964 |
| Book / Page | 4379 / 1964 |
| Map Reference | MB F PG 10 |
| Instrument Date | Mar 10, 2023 |
| Instrument | 202313222 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2023 |
| Title Company | GENESIS LAND & TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 485 N KELLER RD STE 110, 110, MAITLAND, FL 32751-8659 |
| Name | Verified Name |
|---|---|
| Address | 3248 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0043791965 |
|---|---|
| Date | Mar 29, 2023 |
| Instrument | 4379/1965 |
| Name | UNIVERSITY BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Aug 20, 2021 |
| Property Address | 3248 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0041660456 |
| Book / Page | 4166 / 456 |
| Map Reference | MB F PG 10 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 202156064 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Title Company | GENESIS LAND & TITLE CO LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,099.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4886 ANDREA LN, 4886, MILTON, FL 32571-2611 |
| Name | Verified Name |
|---|---|
| Address | 3248 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 4166457 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 4166/457 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
Source: Santa Rosa County assessment roll, as of December 8, 2025
| 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 |
|---|---|---|---|
| 2025 | $334,094 (-2.47%) Land $18,500 Building $315,594 | $334,094 (-2.47%) Land $18,500 Building $315,594 | |
| 2024 | $6,155.00 (+18.23%) | $342,539 (+10.76%) Land $12,500 Building $330,039 | $342,539 (+6.83%) Land $12,500 Building $330,039 |
| 2023 | $5,206.00 (+12.25%) Homeowner's exemption | $309,261 (+16.58%) | $320,650 (+20.87%) Land $12,500 Building $308,150 |
| 2022 | $4,638.00 Homeowner's exemption | $265,288 | $265,288 Land $12,500 Building $252,788 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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