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

Okaloosa County property record for 244 Echo Cir, Fort Walton Beach, FL 32548

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,476 sqft · built 1982
Lot Size0.294 acres (12,838 sqft)
Owner2 Individual Names on File
Last Sale$200,000 (Feb 2016)
Tax Bill$1,979 (2025)
Deeds & MortgagesOct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-593-4721-1

Property Details

APN / Parcel Number

Primary APNC56-000-593-4721-1
Alternative APN
  • 09-2S-24-3012-000H-0100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,476 sqft Heated Area
Gross Area2,329 sqft
1st Floor Area1,476 sqft
FlooringCeramic Tile
Interior WallsCustom/Decorative
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1982
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area12,838 sqft (0.294 acres)
Lot Width86 ft Width
Garage TypeFinished
Garage Area506 sqft
PorchOpen Porch
Porch Area24 sqft
Patio Area208 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address244 ECHO CIR
CityFORT WALTON BEACH
StateFL
Zip32548-6315
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINEDALE 2ND ADDN LOT 10 BLK H
Legal Range24
Legal Township02S
Legal Section09
Legal SubdivisionPINEDALE 2ND
Legal BlockH
Legal Lot Number10
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group4
Census Block4010
Census Tract21902

Owner

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

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

Owner of Record2 Individual Names on File
Mailing Address244 ECHO CIR, FORT WALTON BEACH, FL 32548-6315
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 18, 2016 · Amount on File
Deed SaleFeb 18, 2016 · Amount on File
Prior SaleApr 20, 2011 · Amount on File
Deed Document Number3049025
Deed Book / Page3235 / 4306
Record UpdatedJun 8, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address244 ECHO CIR, FORT WALTON BEACH, FL 32548-6315
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address244 ECHO CIR, FORT WALTON BEACH, FL 32548-6315

Mortgage

Document Number0034973522
DateOct 8, 2020
Book Page3497/3522
Instrument3397461
Lender
NameMORTGAGE ONE OF THE SOUTH INC
TypeMortgage Company
AddressFORT WALTON BEACH, FL 32548
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2050

Tax Assessment & Valuation

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$1,979.00 (+6.23%) Homeowner's exemption$200,799 (+5.99%)$294,215 (-1.78%) Land $92,293 Building $201,922
2023$1,863.00 (+2.87%) Homeowner's exemption$189,456 (+3%)$299,532 (+7.79%) Land $74,250 Building $225,282
2022$1,811.00 Homeowner's exemption$183,938$277,877 Land $69,392 Building $208,485

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
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

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 278 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
Starlink
Satellite		280 / 30

May also be available: LiveOak Fiber, T-Mobile.

Nearby Properties on Echo Cir

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