1. Home
  2. Florida
  3. Okaloosa County
  4. Fort Walton Beach
  5. Echo Cir

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

Okaloosa County property record for 289 Echo Cir, Fort Walton Beach, FL 32548 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,309 sqft · built 1973
Lot Size0.211 acres (9,187 sqft)
Owner2 Individual Names on File
Last Sale$192,000 (Aug 2007)
Tax Bill$1,226 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jul 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNC56-000-593-4546-2

Property Details

APN / Parcel Number

Primary APNC56-000-593-4546-2
Alternative APNs
  • 09-2S-24-3010-000A-0090
  • 24S2093010000A0090

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,309 sqft Living Area
Gross Area1,913 sqft
1st Floor Area1,309 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area9,187 sqft (0.211 acres)
Lot Width80 ft Width
Garage TypeAttached
Garage Area540 sqft
PorchFinished/Open Porch
Porch Area64 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address289 ECHO CIR
CityFORT WALTON BEACH
StateFL
Zip32548-6314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINEDALE S/D LOT 9 BLK A
Legal Range24W
Legal Township02S
Legal Section09
Legal SubdivisionPINEDALE S/D
Legal BlockA
Legal Lot Number9
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group4
Census Block4006
Census Tract21902

Owner

Source: Okaloosa County records · APN C56-000-593-4546-2

Assessment roll updated December 31, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address289 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2026Deed of Trust, Mortgage · Conventional Mortgage
AMERIS BANK
Jul 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 15, 2007 · Amount on Record
Deed SaleAug 15, 2007 · Amount on Record
Prior SaleAug 15, 2007 · Amount on Record
Deed Document Number20072442539
Deed Book / Page2801 / 4690
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Recording DateApr 29, 2026
Property Address289 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Document Number0003813565
Instrument DateApr 17, 2026
Instrument20263813565
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyAMERIS BANK MORTGAGE

Transferred To (Grantee/Buyer)

NameVerified Name
Address289 ECHO CIR, FORT WALTON BEACH, FL 32548-6314

Mortgage

Document Number0003813565,
DateApr 29, 2026
Instrument20263813565
Lender
NameAMERIS BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2041
Interest
Rate TypeFixed Rate
Rate5.54%
Initial TypeFixed Rate
Max Rate-1%

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address289 ECHO CIR, FORT WALTON BEACH, FL 32548-6314
Transaction TypeMortgage
Record UpdatedAug 03, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address289 ECHO CIR, FORT WALTON BEACH, FL 32548-6314

Mortgage

Document Number0035604218
DateJul 16, 2021
Book Page3560/4218
Instrument3472487
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueAug 01, 2041

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,226.00 (+6.98%) Homeowner's exemption$139,445 (+5.99%)$247,644 (+2.54%) Land $92,293 Building $155,351
2023$1,146.00 (+3.34%) Homeowner's exemption$131,568 (+3%)$241,515 (+7.81%) Land $74,250 Building $167,265
2022$1,109.00 Homeowner's exemption$127,736$224,029 Land $69,392 Building $154,637

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120910219024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 140 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies140 in force
130 of 140 on primary residences
Nearby Flood Claims20 (2001–2026)
Claims Outside the SFHA7 of 20
Most Recent ClaimAug 2026, rainfall accumulation
Flood Events
  • Hurricane Sally (Sep 2020), 8 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding (Apr 2014), 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Nearby Properties on Echo Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures