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

Okaloosa County property record for 261 Echo Cir, Fort Walton Beach, FL 32548

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,571 sqft · built 1982
Lot Size	0.237 acres (10,339 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Mar 2019)
Tax Bill	$1,966 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-4663-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-4663-5`
Alternative APN	`09-2S-24-3012-000A-0230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,571 sqft Heated Area
Gross Area	2,020 sqft
1st Floor Area	1,571 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,339 sqft (0.237 acres)
Lot Width	90 ft Width
Garage Type	Finished
Garage Area	441 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	261 ECHO CIR
City	FORT WALTON BEACH
State	FL
Zip	32548-6314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEDALE 2ND ADDN LOT 23 BLK A
Legal Range	24
Legal Township	02S
Legal Section	09
Legal Subdivision	PINEDALE 2ND
Legal Block	A
Legal Lot Number	23
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4006
Census Tract	21902

Owner

261 Echo Cir is owned and occupied by an individual who bought it in March 2019.

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

Owner of Record	Individual Name on File
Mailing Address	261 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
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
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Mar 21, 2019	Warranty Deed, Transfer · Conventional Mortgage EGLIN FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2019 · Amount on File
Deed Sale	Mar 21, 2019 · Amount on File
Deed Document Number	3266133
Deed Book / Page	3390 / 0828
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	261 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 ECHO CIR, FT WALTON BCH, FL 32548-6314

Mortgage

Document Number	0035183665
Date	Jan 15, 2021
Book Page	3518/3665
Instrument	3422378

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

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

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Mar 21, 2019
Property Address	261 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Document Number	0033900828
Book / Page	3390 / 0828
Map Reference	MB 5 PG 75-77
Instrument Date	Mar 18, 2019
Instrument	3266133
Transaction Type	Transfer
Record Updated	Jan 10, 2022
Title Company	MCGILL ESCROW & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1934 TALLADEGA RD, 1934, JACKSONVILLE, FL 32209-2638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2411 ROBERTS DR, NICEVILLE, FL 32578-2321

Mortgage

Document Number	0003266134
Date	Mar 21, 2019
Instrument	3266134

Lender

Name	EGLIN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 261 Echo Cir was $1,966 with a homeowner's exemption.

Source: Okaloosa County assessment roll, as of July 1, 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	$1,966.00 Homeowner's exemption	$199,741	$273,064 Land $92,293 Building $180,771
2023	$1,851.00 (+2.89%) Homeowner's exemption	$188,458 (+3%)	$268,366 (+7.83%) Land $74,250 Building $194,116
2022	$1,799.00 Homeowner's exemption	$182,969	$248,883 Land $69,392 Building $179,491

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

Flood

FEMA maps place 261 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 261 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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