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3273 McMillan Creek Dr, Milton, FL, 32583

3beds
3baths
2,744sqft
$494,900
$180price/sqft
$3,986/moest. monthly cost
$159,440/yrincome needed

About This Home

Beautiful executive home located in Bernath Place, a gated community in Milton, FL. This thoughtfully designed residence offers 2,744 square feet of living space with an inviting open floor plan and a split-bedroom layout for added privacy. The home features three spacious bedrooms and three full bathrooms, along with a screened-in, heated gunite pool and lanai—perfect for relaxing or entertaining guests. The well-appointed kitchen is ideal for the chef in the family, complete with a generous pantry, breakfast nook, and breakfast bar, all overlooking the great room for seamless interaction while cooking and gathering. Additional highlights include coffered ceilings, crown molding, a fireplace, tile flooring throughout, a large laundry room, and an oversized garage. Conveniently located just 20 minutes from Pensacola’s pristine white-sand beaches and approximately 25 minutes to Pensacola International Airport and downtown amenities. This is a truly exceptional home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

7/10
Avalon Middle SchoolGrades 6-81.8 mi
4/10
Milton High SchoolGrades 9-127.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2007

Materials

  • Foundation: Slab
  • Roof: Composition,Hip
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Built In Microwave,Dishwasher,Disposal,Refrigerator,Self Cleaning Oven,ENERGY STAR Qualified Dishwasher,ENERGY STAR Qualified Refrigerator,ENERGY STAR Qualified Water Heater
  • Laundry features: Inside

Bedroom

  • Level: First
  • Area: 210

Bedroom1

  • Level: First
  • Area: 210

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First
  • Area: 156

Features

  • Baseboards,Ceiling Fan(s),Crown Molding,High Speed Internet,Plant Ledges,Recessed Lighting
  • Window features: Double Pane Windows,Blinds,Shutters
  • Flooring: Tile
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Heat Pump,Central,Fireplace(s),ENERGY STAR Qualified Heat Pump
  • Cooling features: Heat Pump,Ceiling Fan(s),ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,744
  • Total interior livable area: 2,744 sqft

Kitchen

  • Level: First
  • Area: 168

Master Bedroom

  • Level: First
  • Area: 270

Office

  • Level: First
  • Area: 156

Property

Details

  • Parcel number: 351n29034600a000610
  • Zoning description: Res Single

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground,Screen Enclosure
  • Patio & porch: Covered,Lanai
  • Exterior features: Rain Gutters
  • Fencing: Back Yard,Privacy
  • Waterfront features: Waterfront Deed Access

Lot

  • Lot size: 0.64 Acres
  • Features: Interior Lot

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage,Front Entrance,Guest,Oversized,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Heat Wave
Inland Flooding
Wildfire
Tsunami

FEMA Declared Disasters in Santa Rosa County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,502$30,024
Home Insurance *$460$5,520
Property Taxes $748$8,976
Electricity $276$3,313
Total$3,986$47,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,662/yr
40% on housing$119,580/yr
45% on housing$106,293/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.5%
15.5%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 32583$162
Santa Rosa County$214

vs Homes Sold Last Month

Median $/sqft

ZIP 32583$176
Santa Rosa County$191

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-08Price change$494,900
2026-03-30Listed for sale$499,900
2018-08-01Listing removed$275,850
2018-06-24Listed for sale$275,850
2016-09-23Sold$221,500
2016-08-01Price change$236,000
2016-06-22Price change$237,000
2016-06-10Price change$238,000
2016-05-16Price change$239,000
2016-04-28Price change$249,000
2016-02-15Price change$250,000
2015-10-10Listed for sale$259,000
2010-08-07Listing removed$269,000
2010-05-12Listed for sale$269,000

For Sale by Agent

AgentKimberly Leighton
BrokerageJANET COULTER REALTY

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