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221 Echo Cir, Fort Walton Beach, FL 32548 Property Records

Okaloosa County property record for 221 Echo Cir, Fort Walton Beach, FL 32548

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,433 sqft · built 1983
Lot Size0.253 acres (11,029 sqft)
OwnerIndividual Name on File
Last Sale$302,000 (Sep 2020)
Tax Bill$3,735 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNC56-000-593-4688-2

Property Details

APN / Parcel Number

Primary APNC56-000-593-4688-2
Alternative APN
  • 09-2S-24-3012-000A-0480

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,433 sqft Heated Area
Gross Area2,242 sqft
1st Floor Area1,433 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1983
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area11,029 sqft (0.253 acres)
Lot Width97 ft Width
Garage TypeFinished
Garage Area456 sqft
PorchEnclosed Porch
Porch Area262 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address221 ECHO CIR
CityFORT WALTON BEACH
StateFL
Zip32548-6301
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINEDALE 2ND ADDN LOT 48 BLK A
Legal Range24
Legal Township02S
Legal Section09
Legal SubdivisionPINEDALE 2ND
Legal BlockA
Legal Lot Number48
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group4
Census Block4006
Census Tract21902

Owner

221 Echo Cir is owned and occupied by an individual who bought it in September 2020.

Source: Okaloosa County records, as of December 8, 2025

Owner of RecordIndividual Name on File
Mailing Address221 ECHO CIR, FORT WALTON BEACH, FL 32548-6301
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 22, 2020 · Amount on File
Deed SaleSep 22, 2020 · Amount on File
Prior SaleJun 5, 2015 · Amount on File
Deed Document Number3391983
Deed Book / Page3492 / 4443
Record UpdatedJun 8, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 22, 2020
Property Address221 ECHO CIR, FORT WALTON BEACH, FL 32548-6301
Document Number0034924443
Book / Page3492 / 4443
Map ReferenceMB 5 PG 75
Instrument DateSep 11, 2020
Instrument3391983
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,114.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12 CANYON HILLS RD, 12, EDGEWOOD, NM 87015-8224

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 ECHO CIR, FORT WALTON BEACH, FL 32548-6301

Mortgage

Document Number0034924445
DateSep 22, 2020
Instrument3492/4445
Lender
NameKELLER MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 221 Echo Cir was $3,735.

Source: Okaloosa County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,735.00$304,530 Land $87,678 Building $216,852$304,530 Land $87,678 Building $216,852
2023$3,467.00 (+7.91%)$297,969 (+7.64%) Land $70,537 Building $227,432$297,969 (+7.64%) Land $70,537 Building $227,432
2022$3,213.00$276,813 Land $65,923 Building $210,890$276,813 Land $65,923 Building $210,890

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 221 Echo Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 8, 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 ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 140 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies140 in force
Nearby Flood Claims20 (2001–2026)
Claims Outside the SFHA7 of 20
Most Recent ClaimAug 2026 · rainfall accumulation
Claims by Event
  • Hurricane Sally, Sep 2020 · 8 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 8 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

Wildfire risk around 221 Echo Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

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 SystemOKALOOSA CO.WTR.; SWR.SYSTEM
serves 80,295 people · EPA ID FL1460506
Water SourceGroundwater
Last State InspectionApr 2023
Lead3 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 313 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless		5,000 / 5,000
Cox Communications
Cable · Fiber in parts of the area		2,000 / 100
Verizon
Fixed Wireless		300 / 20

May also be available: CenturyLink, LiveOak Fiber.

Nearby Properties on Echo Cir

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