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

Okaloosa County property record for 271 Echo Cir, Fort Walton Beach, FL 32548

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,730 sqft · built 1978
Lot Size	0.237 acres (10,338 sqft)
Owner	2 Individual Names on File
Last Sale	$438,000 (Apr 2024)
Tax Bill	$3,284 (2023)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-4658-5`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-4658-5`
Alternative APNs	`09-2S-24-3012-000A-0180` `24S2093012000A0180`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,730 sqft Living Area
Gross Area	2,574 sqft
1st Floor Area	1,730 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood
Lot Area	10,338 sqft (0.237 acres)
Lot Width	90 ft Width
Garage Type	Attached
Garage Area	450 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed/Unfinished Porch
Porch Area	394 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	271 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 18 BLK A
Legal Range	24W
Legal Township	02S
Legal Section	09
Legal Subdivision	PINEDALE 2ND ADDN
Legal Block	A
Legal Lot Number	18
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4006
Census Tract	21902

Owner

271 Echo Cir is owned and occupied by two individuals who bought it in April 2024.

Source: Okaloosa County records, as of May 21, 2026

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 Record	2 Individual Names on File
Mailing Address	271 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 25, 2017	Warranty Deed, Transfer · VA Mortgage SOUTHEAST MTG/GA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	Apr 25, 2017 · Amount on File
Deed Document Number	20243685068
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	271 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	271 ECHO CIR, FORT WALTON BEACH, FL 32548-6314

Mortgage

Document Number	0035980830
Date	Jan 11, 2022
Book Page	3598/830
Instrument	3518930

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Apr 25, 2017
Property Address	271 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Document Number	0032963248
Book / Page	003296 / 003248
Instrument Date	Apr 20, 2017
Instrument	3130967
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	OLD SOUTH LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	271 ECHO CIR FORT WALTON BEACH FL 325486314, FORT WALTON BEACH, FL 32548-6314

Mortgage

Document Number	32963250
Date	Apr 25, 2017
Book Page	003296/003250
Instrument	3130968

Lender

Name	SOUTHEAST MTG/GA
Type	Mortgage Company
Address	DULUTH, GA 30096

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2047

Tax Assessment & Valuation

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		$291,644 Land $92,293 Building $199,351	$291,644 Land $92,293 Building $199,351
2023	$3,284.00 (+7.92%)	$285,501 (+7.72%) Land $74,250 Building $211,251	$285,501 (+7.72%) Land $74,250 Building $211,251
2022	$3,043.00	$265,034 Land $69,392 Building $195,642	$265,034 Land $69,392 Building $195,642

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

Flood

FEMA maps place 271 Echo Cir in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 2001.

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
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 271 Echo Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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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