Santa Rosa County property record for 3266 Bernath Dr, Milton, FL 32583
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,849 sqft · built 2018 |
| Lot Size | 0.467 acres (20,343 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $389,900 (May 2026) |
| Tax Bill | $4,813 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage May 2026 Sale & Mortgage + 6 more |
| Flood Zone | Zone AE (high risk) |
| APN | 35-1N-29-0346-00A00-0040 |
| Primary APN | 35-1N-29-0346-00A00-0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,849 sqft Living Area |
| Gross Area | 2,761 sqft |
| 1st Floor Area | 1,849 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 20,343 sqft (0.467 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 352 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3266 BERNATH DR |
|---|---|
| City | MILTON |
| State | FL |
| Zip | 32583-8467 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | *NEW DESCRIPTION FOR 2019* BERNATH PLACE (THE) LOT 4 BLK A AS DES IN OR 4110 PG 1001 |
| Legal Range | 29W |
| Legal Township | 1N |
| Legal Section | 35 |
| Legal Subdivision | BERNATH PLACE (THE) |
| Legal Block | A |
| Legal Lot Number | 4 |
| 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 July 6, 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 | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 18, 2023 | Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC |
| May 20, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Apr 28, 2021 | Warranty Deed, Transfer WEST FLORIDA TITLE, WEST FL TTL CO OF MILTON INC |
| Feb 7, 2018 | Deed of Trust, Mortgage · Construction Mortgage BEACH COMMUNITY MORTGAGE SERVICES INC |
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI OCMBC INC |
| Aug 9, 2019 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Aug 31, 2018 | Loan Modification, Mortgage · Conventional Mortgage BEACH CMNTY MTG SVCS |
| Jul 7, 2017 | Warranty Deed, Transfer SURETY LAND TITLE/FL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2026 · Amount on Record |
| Deed Sale | May 20, 2026 · Amount on Record |
| Prior Sale | Apr 28, 2021 · Amount on Record |
| Deed Document Number | 202625414 |
| Deed Book / Page | 4746 / 620 |
| Prior Transfer Date | May 22, 2014 |
| Prior Transfer Doc | 0033442069 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 3171 BERNATH DR, MILTON, FL 32583-8454 |
| Document Number | 0044160006 |
|---|---|
| Date | Jul 18, 2023 |
| Book Page | 4416/6 |
| Instrument | 202332099 |
| Name | OCMBC INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | May 20, 2026 |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0047460620 |
| Book / Page | 4746 / 620 |
| Instrument Date | May 18, 2026 |
| Instrument | 202625414 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275,659.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0000025415, |
|---|---|
| Date | May 20, 2026 |
| Instrument | 202625415 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 4% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Apr 28, 2021 |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0041101001 |
| Book / Page | 4110 / 1001 |
| Map Reference | MB F PG 10 |
| Instrument Date | Apr 22, 2021 |
| Instrument | 202128116 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2023 |
| Title Company | WEST FLORIDA TITLE, WEST FL TTL CO OF MILTON INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 972, LAKE CITY, SC 29560-0972 |
| Name | Verified Name |
|---|---|
| Address | 3171 BERNATH DR, MILTON, FL 32583-8454 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0037000154 |
|---|---|
| Date | Feb 7, 2018 |
| Book Page | 3700/0154 |
| Instrument | 201804631 |
| Name | BEACH COMMUNITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0039460955 |
| Instrument Date | Apr 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3266 BERNATH DR MILTON FL 325838467, MILTON, FL 32583-8467 |
| Document Number | 0039460955 |
|---|---|
| Date | May 4, 2020 |
| Book Page | 003946/000955 |
| Instrument | 20895 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 3, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0038591853 |
| Instrument Date | Aug 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3266 BERNHCH DR MILTON FL 32583, MILTON, FL 32583 |
| Document Number | 0038591853 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 003859/001853 |
| Instrument | 35721 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0037660827 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3266 BERNATH DR MILTON FL 32583, MILTON, FL 32583 |
| Document Number | 0037660827 |
|---|---|
| Date | Sep 17, 2018 |
| Book Page | 003766/000827 |
| Instrument | 39827 |
| Name | BEACH CMNTY MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32547 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SANTA ROSA FL |
| Recording Date | Jul 7, 2017 |
| Property Address | 3266 BERNATH DR, MILTON, FL 32583-8467 |
| Document Number | 0036401260 |
| Book / Page | 003640 / 001260 |
| Instrument Date | Jun 22, 2017 |
| Instrument | 27660 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2017 |
| Title Company | SURETY LAND TITLE/FL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $122.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3266 BERNATH DR MILTON FL 32583, MILTON, FL 32583 |
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 | $4,813.00 (-1.11%) | $250,692 (-1.98%) Land $17,575 Building $233,117 | $250,692 (-1.98%) Land $17,575 Building $233,117 |
| 2024 | $4,867.00 (+0.62%) | $255,769 (+5.35%) Land $11,875 Building $243,894 | $255,769 (+5.35%) Land $11,875 Building $243,894 |
| 2023 | $4,837.00 (+6.12%) | $242,775 (+10.53%) Land $11,875 Building $230,900 | $242,775 (+10.53%) Land $11,875 Building $230,900 |
| 2022 | $4,558.00 | $219,648 | $219,648 Land $11,875 Building $207,773 |
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 | 10.0 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures