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

Okaloosa County property record for 292 Echo Cir, Fort Walton Beach, FL 32548 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1973
Square Footage1,792 sqft Heated Area
Lot Size9,186 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$394,000 (2023)
Tax Bill$3,728.00 (2025)

Property Details

APN / Parcel Number

Primary APNC56-000-593-4593-4
Alternative APN
  • 09-2S-24-3010-000C-0300

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,792 sqft Heated Area
Gross Area2,816 sqft Gross Area
1st Floor1,792 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1973
Exterior MaterialBrick Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Roof
Lot Area9,186 sqft (0.21 acres)
Lot Width80 ft Width
Garage TypeFinished Garage
Garage Area540 sqft Garage
Patio Area416 sqft Patio
PorchOpen Porch
Porch Area68 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Street Address292 ECHO CIR
CityFORT WALTON BEACH
StateFL
Zip32548-6319
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPINEDALE S/D LOT 30 BLK C
Legal Range24
Legal Township02S
Legal Section09
Legal SubdivisionPINEDALE S/D
Legal BlockC
Legal Lot Number30
JurisdictionOKALOOSA FL
Minor Civil DivisionFORT WALTON BEACH
Census Blockgroup4
Census Block4007
Census Tract21902

Owner

Source: Okaloosa County records · APN C56-000-593-4593-4

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Mailing Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2025Deed of Trust, Mortgage · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Sep 26, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Feb 26, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
QUICKEN LOANS LLC
Apr 16, 2019Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
QUICKEN LNS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 26, 2023 · Amount on Record
Deed SaleSep 26, 2023 · Amount on Record
Deed Doc Number3648851
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319
Transaction TypeMortgage
Record UpdatedNov 19, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319

Mortgage

Document Number0003778787
DateOct 20, 2025
Instrument3778787
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateSep 26, 2023
Property Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319
Document Number0003648851
Map ReferenceMB 4 PG 80
Instrument DateSep 14, 2023
Instrument3648851
Transaction TypeTransfer
Record UpdatedNov 06, 2023
Title CompanyWAYPOINT TITLE, WAYPOINT TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,758.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address774 OVERBROOK DR, FORT WALTON BEACH, FL 32547-3590

Transferred To (Grantee/Buyer)

NameVerified Name
Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319

Mortgage

Document Number0003648852
DateSep 26, 2023
Instrument3648852
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319
Transaction TypeMortgage
Record UpdatedMar 17, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0035282626
DateFeb 26, 2021
Book Page3528/2626
Instrument3433494
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address292 ECHO CIR, FORT WALTON BEACH, FL 32548-6319
Document Number0033943048
Instrument DateApr 16, 2019
Transaction TypeMortgage
Record UpdatedMay 09, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address292 ECHO CIR FORT WALTON BEACH FL 325486319, FORT WALTON BEACH, FL 32548-6319

Mortgage

Document Number0033943048
DateApr 23, 2019
Book Page003394/003048
Instrument3272588
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term240 Months
DueApr 22, 2039

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,728.00 (+161.61%)$303,979 (+97.31%) Land $92,293 Building $211,686$303,979 (+6.1%) Land $92,293 Building $211,686
2023$1,425.00 (+3.11%) Homeowner's exemption$154,059 (+3%)$286,505 (+7.64%) Land $74,250 Building $212,255
2022$1,382.00 Homeowner's exemption$149,572$266,179 Land $69,392 Building $196,787

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

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

Values are read at the parcel center point; lenders make the official flood determination.

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