Okaloosa County property record for 297 Echo Cir, Fort Walton Beach, FL 32548 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,351 sqft · built 1973 |
| Lot Size | 0.214 acres (9,321 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,900 (Aug 2023) |
| Tax Bill | $2,418 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-4542-1 |
| Primary APN | C56-000-593-4542-1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,351 sqft Living Area |
| Gross Area | 2,033 sqft |
| 1st Floor Area | 1,351 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,321 sqft (0.214 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 241 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 297 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 5 BLK A |
| Legal Range | 24W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D |
| Legal Block | A |
| Legal Lot Number | 5 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 21902 |
Source: Okaloosa County records · APN C56-000-593-4542-1
Assessment roll updated December 31, 2025 · Last verified June 2026
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 | 4028 ELIZABETH DR, HERMITAGE, TN 37076-3803 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Aug 01, 2023 | Warranty Deed, Transfer · VA Mortgage LINEAGE BANK |
| Dec 10, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 01, 2023 · Amount on Record |
| Deed Sale | Aug 01, 2023 · Amount on Record |
| Prior Sale | Dec 10, 2021 · Amount on Record |
| Deed Document Number | 20233638939 |
| Deed Book / Page | 3686 / 236 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Aug 01, 2023 |
| Property Address | 297 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Document Number | 0036860236 |
| Book / Page | 3686 / 236 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 3638939 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2023 |
| Title Company | NOT AVAILABLE, CONNECT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,309.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40TH EITHIIWIII DRIVE, HERMITAGE, TN 37076 |
| Document Number | 0003686238 |
|---|---|
| Date | Aug 01, 2023 |
| Instrument | 3686/238 |
| Name | LINEAGE BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Dec 10, 2021 |
| Property Address | 297 ECHO CIR, FORT WALTON BEACH, FL 32548-6314 |
| Document Number | 0035921793 |
| Book / Page | 3592 / 1793 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | Dec 03, 2021 |
| Instrument | 3511938 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0035921797 |
|---|---|
| Date | Dec 10, 2021 |
| Book Page | 3592/1797 |
| Instrument | 3511941 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WALTON BEACH, FL 32548 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified June 2026
| 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 | $2,418.00 (-19.85%) | $236,592 (-2.93%) Land $92,293 Building $144,299 | $236,592 (-2.93%) Land $92,293 Building $144,299 |
| 2023 | $3,017.00 (+6.91%) | $243,731 (+7.81%) Land $74,250 Building $169,481 | $243,731 (+7.81%) Land $74,250 Building $169,481 |
| 2022 | $2,822.00 | $226,077 Land $69,392 Building $156,685 | $226,077 Land $69,392 Building $156,685 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 140 individual NFIP policies nearby |
| 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 Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 291 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| LiveOak Fiber | Fiber | 5,000 / 5,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Cox Communications | Cable | 2,000 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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