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3272 Bernath Dr, Milton, FL 32583 Property Records

Santa Rosa County property record for 3272 Bernath Dr, Milton, FL 32583

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,527 sqft · built 2022
Lot Size0.511 acres (22,259 sqft)
Owner2 Individual Names on Record
Last Sale$461,500 (May 2022)
Tax Bill$5,854 (2024)
Deeds & MortgagesSep 2021 Construction Loan
May 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone AE (high risk)
APN35-1N-29-0346-00A00-0030

Property Details

APN / Parcel Number

Primary APN35-1N-29-0346-00A00-0030
Alternative APN
  • N29135034600A000030

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,527 sqft Living Area
Gross Area3,670 sqft
1st Floor Area2,527 sqft
FlooringTile

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialBrick
Construction TypeWood
Roof MaterialWood Shingle
Lot Area22,259 sqft (0.511 acres)
Garage TypeAttached
Garage Area690 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address3272 BERNATH DR
CityMILTON
StateFL
Zip32583-8467
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal Description*DESC UPDATED FOR 2022* SECTION 35 TOWNSHIP 1 N RANGE 29 W BERNATH PLACE (THE) LOT 3 BLK A AS DES IN OR 4278 PG 1177
Legal Range29W
Legal Township1N
Legal Section35
Legal SubdivisionBERNATH PLACE (THE)
Legal BlockA
Legal Lot Number3
JurisdictionSANTA ROSA FL
Township / Civil DivisionAVALON-MULAT
Census Block Group3
Census Block3012
Census Tract10709

Owner

Source: Santa Rosa County records, as of December 8, 2025

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

Owner of Record2 Individual Names on Record
Mailing Address3272 BERNATH DR, MILTON, FL 32583-8467
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 20, 2021Deed of Trust, Mortgage · Construction Mortgage
BEACH BANK
May 2, 2022Warranty Deed, Subdivision Related Transfer · VA Mortgage
BUCKHEAD MORTGAGE ASSOCIATES INC
Sep 20, 2021Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Mar 8, 2021Warranty Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 28, 2017Warranty Deed, Transfer
CLEAR TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 2, 2022 · Amount on Record
Deed SaleMay 2, 2022 · Amount on Record
Prior SaleMar 8, 2021 · Amount on Record
Deed Document Number202226429
Deed Book / Page4278 / 1177
Prior Transfer DateSep 20, 2021
Prior Transfer Doc0041800922
Record UpdatedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSANTA ROSA FL
Property Address3272 BERNATH DR, MILTON, FL 32583-8467
Transaction TypeMortgage
Record UpdatedApr 16, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address3982 AVALON BLVD, MILTON, FL 32583-5513
InvestorPossibly a Property Investor

Mortgage

Document Number0041801277
DateSep 20, 2021
Book Page4180/1277
Instrument202162795
Lender
NameBEACH BANK
TypeBank
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

May 2022: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMay 2, 2022
Property Address3272 BERNATH DR, MILTON, FL 32583-8467
Document Number0042781177
Book / Page4278 / 1177
Map ReferenceMB F PG 10
Instrument DateApr 29, 2022
Instrument202226429
Transaction TypeSubdivision Related Transfer
Record UpdatedApr 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,230.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2986 AVALON BLVD, MILTON, FL 32583-6159

Transferred To (Grantee/Buyer)

NameVerified Name
Address3272 BERNATH DR, MILTON, FL 32583-8467

Mortgage

Document Number0042781180
DateMay 2, 2022
Instrument4278/1180
Lender
NameBUCKHEAD MORTGAGE ASSOCIATES INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term180 Months
DueMay 1, 2037

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSANTA ROSA FL
Recording DateSep 20, 2021
Property Address3272 BERNATH DR, MILTON, FL 32583-8467
Document Number0041800922
Book / Page4180 / 922
Map ReferenceMB F PG 10
Instrument DateSep 20, 2021
Instrument202162729
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address2986 AVALON BLVD, MILTON, FL 32583-6159

Transferred To (Grantee/Buyer)

NameVerified Name
Address2986 AVALON BLVD, MILTON, FL 32583-6159
InvestorPossibly a Property Investor

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateMar 8, 2021
Property Address3272 BERNATH DR, MILTON, FL 32583-8467
Document Number0040830743
Book / Page4083 / 743
Map ReferenceMB F PG 10
Instrument DateMar 5, 2021
Instrument202115093
Transaction TypeTransfer
Record UpdatedApr 16, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$105.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address898 LAKE AIRE DR, PENSACOLA, FL 32506-6503

Transferred To (Grantee/Buyer)

NameVerified Name
Address3982 AVALON BLVD, MILTON, FL 32583-5513
InvestorPossibly a Property Investor

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSANTA ROSA FL
Recording DateApr 28, 2017
Property Address3272 BERNATH DR, MILTON, FL 32583-8467
Document Number0036191183
Book / Page003619 / 001183
Instrument DateApr 27, 2017
Instrument16679
Transaction TypeTransfer
Record UpdatedMay 23, 2017
Title CompanyCLEAR TITLE

Transaction

AmountAmount Recorded
Tax$49.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address898 LAKE AIRE DR PENSACOLA FL 325066503, PENSACOLA, FL 32506-6503

Tax Assessment & Valuation

Source: Santa Rosa County assessment roll, as of December 8, 2025

Property Jurisdictions

TypeName
StateFlorida
CountySanta Rosa County
Unified School DistrictSanta Rosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$372,022 (+0.24%) Land $18,500 Building $353,522$372,022 (-2.8%) Land $18,500 Building $353,522
2024$5,854.00 (+0.39%) Homeowner's exemption Disabled Person's exemption$371,130 (+3%)$382,743 (+6.22%) Land $12,500 Building $370,243
2023$5,831.00 (+238.23%)$360,320 (+2,782.56%) Land $12,500 Building $347,820$360,320 (+2,782.56%) Land $12,500 Building $347,820
2022$1,724.00$12,500$12,500 Land $12,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation10.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 199 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies199 in force
Nearby Flood Claims56 (1995–2020)
Claims Outside the SFHA1 of 56
Most Recent ClaimSep 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 RiskHigh
above 74% of the US · above 60% of Florida
Wildfire Likelihood0.3% annual chance
ExposureDirect
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 SystemPACE WATER SYSTEM, INC.
private · serves 49,328 people · EPA ID FL1570671
Water SourceGroundwater
Last State InspectionJun 2024
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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