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

Okaloosa County property record for 258 Echo Cir, Fort Walton Beach, FL 32548

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1980
Lot Size	0.248 acres (10,789 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Sep 2013)
Tax Bill	$1,327 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-4714-6`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-4714-6`
Alternative APNs	`09-2S-24-3012-000H-0030` `24S2093012000H0030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Living Area
Gross Area	2,226 sqft
1st Floor Area	1,488 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,789 sqft (0.248 acres)
Lot Width	90 ft Width
Garage Type	Attached
Garage Area	440 sqft
Porch	Screened/Unfinished Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	258 ECHO CIR
City	FORT WALTON BEACH
State	FL
Zip	32548-6316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEDALE 2ND ADDN LOT 3 BLK H
Legal Range	24W
Legal Township	02S
Legal Section	09
Legal Subdivision	PINEDALE 2ND ADDN
Legal Block	H
Legal Lot Number	3
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4010
Census Tract	21902

Owner

258 Echo Cir is owned and occupied by two individuals who bought it in September 2013.

Source: Okaloosa County records, as of January 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	258 ECHO CIR, FORT WALTON BEACH, FL 32548-6316
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage SYNOVUS BANK
Jan 19, 2017	Deed of Trust, Mortgage · Line of Credit COASTAL BANK & TRUST
Aug 14, 2018	Deed of Trust, Mortgage · Line of Credit SYNOVUS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2013 · Amount on File
Deed Sale	Sep 4, 2013 · Amount on File
Deed Document Number	20132880113
Deed Book / Page	3114 / 4662
Prior Transfer Date	Aug 30, 2013
Prior Transfer Doc	0031144662
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	258 ECHO CIR, FORT WALTON BEACH, FL 32548-6316
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	RELIABLE LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 ECHO CIR, FT WALTON BCH, FL 32548-6316

Mortgage

Document Number	0035274826
Date	Feb 24, 2021
Book Page	3527/4826
Instrument	3432811

Lender

Name	SYNOVUS BANK
Type	Bank
Address	BIRMINGHAM, AL 35209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	258 ECHO CIR, FORT WALTON BEACH, FL 32548-6316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0032841346
Date	Jan 19, 2017
Book Page	3284/1346
Instrument	3113134

Lender

Name	COASTAL BANK & TRUST
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	258 ECHO CIR, FORT WALTON BEACH, FL 32548-6316
Document Number	0033783884
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	258 ECHO CIR FORT WALTON BEACH FL 325486316, FORT WALTON BEACH, FL 32548-6316

Mortgage

Document Number	0033783884
Date	Dec 18, 2018
Book Page	003378/003884
Instrument	3249176

Lender

Name	SYNOVUS BK
Type	Bank
Address	COLUMBUS, GA 31901

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 258 Echo Cir was $1,327 with exemptions applied.

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,327.00 Homeowner's exemption Disabled Person's exemption Widower's exemption	$157,689	$275,972 Land $92,293 Building $183,679
2023	$1,236.00 (-5.79%) Homeowner's exemption Disabled Person's exemption Widower's exemption	$148,782 (+3%)	$266,766 (+7.81%) Land $74,250 Building $192,516
2022	$1,312.00 Homeowner's exemption Disabled Person's exemption	$144,449	$247,451 Land $69,392 Building $178,059

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

Flood

FEMA maps place 258 Echo Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 140 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	140 in force
Nearby Flood Claims	20 (2001–2026)
Claims Outside the SFHA	7 of 20
Most Recent Claim	Aug 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 258 Echo Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 System	OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people · EPA ID FL1460506
Water Source	Groundwater
Last State Inspection	Apr 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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

Provider	Max 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.

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