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

Okaloosa County property record for 273 Echo Cir, Fort Walton Beach, FL 32548

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,226 sqft · built 1979
Lot Size	0.237 acres (10,338 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jul 2026)
Tax Bill	$2,277 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C56-000-593-4657-7`

Property Details

APN / Parcel Number

Primary APN	`C56-000-593-4657-7`
Alternative APNs	`09-2S-24-3012-000A-0170` `24S2093012000A0170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,226 sqft Living Area
Gross Area	2,750 sqft
1st Floor Area	2,226 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
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 Area	650 sqft
Porch	Finished/Open Porch
Porch Area	394 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	273 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 17 BLK A
Legal Range	24W
Legal Township	02S
Legal Section	09
Legal Subdivision	PINEDALE 2ND ADDN
Legal Block	A
Legal Lot Number	17
Jurisdiction	OKALOOSA FL
Township / Civil Division	FORT WALTON BEACH
Census Block Group	4
Census Block	4006
Census Tract	21902

Owner

273 Echo Cir is owned and occupied by two individuals who bought it in July 2026.

Source: Okaloosa County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	273 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 10, 2026	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC
Oct 30, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on File
Deed Sale	Jul 10, 2026 · Amount on File
Prior Sale	Oct 30, 2023 · Amount on File
Deed Document Number	20263827104
Prior Transfer Date	May 30, 2001
Prior Transfer Doc	0001846097
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Jul 10, 2026
Property Address	273 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Document Number	0003827104
Instrument Date	Jul 9, 2026
Instrument	20263827104
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	SUNBELT TITLE COMPANY, SUNBELT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346,430.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	273 ECHO CIR, FORT WALTON BEACH, FL 32548-6314

Mortgage

Document Number	0003827105,
Date	Jul 10, 2026
Instrument	20263827105

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 30, 2023
Property Address	273 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Document Number	0003654907
Map Reference	MB 5 PG 75-77
Instrument Date	Oct 27, 2023
Instrument	3654907
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	27930 SENECA CT, MENIFEE, CA 92585-3507

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4552 BARRINGTON LN, NICEVILLE, FL 32578-8792

Mortgage

Document Number	0003654910
Date	Oct 30, 2023
Instrument	3654910

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 273 Echo Cir was $2,277.

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	$2,277.00	$225,115	$297,812 Land $92,293 Building $205,519
2023	$2,023.00 (+2.79%) Homeowner's exemption	$202,410 (+3%)	$297,677 (+7.46%) Land $74,250 Building $223,427
2022	$1,968.00 Homeowner's exemption	$196,515	$277,010 Land $69,392 Building $207,618

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 273 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 273 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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