Okaloosa County property record for 295 Echo Cir, Fort Walton Beach, FL 32548 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1973 |
| Square Footage | 1,569 sqft Heated Area |
| Lot Size | 9,186 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $318,000 (2021) |
| Tax Bill | $3,002.00 (2025) |
| Primary APN | C56-000-593-4543-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,569 sqft Heated Area |
| Gross Area | 2,173 sqft Gross Area |
| 1st Floor Area | 1,569 sqft 1st Floor |
| Stories | 1 Story |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,186 sqft (0.21 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 540 sqft Garage |
| Porch | Open Porch |
| Porch Area | 64 sqft Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 295 ECHO CIR |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32548-6314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEDALE S/D LOT 6 BLK A |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D |
| Legal Block | A |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 21902 |
Source: Okaloosa County records · APN C56-000-593-4543-9
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 295 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 29, 2021 | Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 29, 2021 · Amount on Record |
| Deed Sale | Sep 29, 2021 · Amount on Record |
| Deed Document Number | 3492766 |
| Deed Book / Page | 3577 / 327 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 295 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 295 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Document Number | 0003778351 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 3778351 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Sep 29, 2021 |
| Property Address | 295 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Document Number | 0035770327 |
| Book / Page | 3577 / 327 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | Sep 21, 2021 |
| Instrument | 3492766 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Title Company | RELIABLE LAND TITLE CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,226.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3023 HOLLEY POINT RD, 3023, NAVARRE, FL 32566-9509 |
| Name | Verified Name |
|---|---|
| Address | 295 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Document Number | 3577328 |
|---|---|
| Date | Sep 29, 2021 |
| Instrument | 3577/328 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,002.00 (+4.02%) Homeowner's exemption | $284,203 (+4.46%) Land $92,293 Building $191,910 | $284,203 (+0.22%) Land $92,293 Building $191,910 |
| 2023 | $2,886.00 (+2.6%) Homeowner's exemption | $272,080 (+3%) | $283,570 (+7.35%) Land $74,250 Building $209,320 |
| 2022 | $2,813.00 Homeowner's exemption | $264,155 Land $69,392 Building $194,763 | $264,155 Land $69,392 Building $194,763 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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