Okaloosa County property record for 309 Echo Cir, Fort Walton Beach, FL 32548 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,351 sqft · built 1972 |
| Lot Size | 0.212 acres (9,252 sqft) |
| Owner | Individual Name on File |
| Last Sale | $316,000 (Mar 2023) |
| Tax Bill | $1,440 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-4561-1 |
| Primary APN | C56-000-593-4561-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,351 sqft Heated Area |
| Gross Area | 1,775 sqft |
| 1st Floor Area | 1,351 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,252 sqft (0.212 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 300 sqft |
| Porch | Open Porch |
| Porch Area | 124 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 309 ECHO CIR |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32548-6303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEDALE S/D LOT 15 BLK B |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D |
| Legal Block | B |
| Legal Lot Number | 15 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 21902 |
Source: Okaloosa County records · APN C56-000-593-4561-1
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 | 309 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 06, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Mar 07, 2017 | Warranty Deed, Transfer · FHA Mortgage FBT MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 06, 2023 · Amount on Record |
| Deed Sale | Mar 06, 2023 · Amount on Record |
| Prior Sale | Mar 07, 2017 · Amount on Record |
| Deed Document Number | 3609660 |
| Deed Book / Page | 3664 / 3451 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 06, 2023 |
| Property Address | 309 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0036643451 |
| Book / Page | 3664 / 3451 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | Mar 02, 2023 |
| Instrument | 3609660 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2023 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,212.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 842 HARBOR BLVD, DESTIN, FL 32541-2702 |
| Name | Verified Name |
|---|---|
| Address | 309 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0036643453 |
|---|---|
| Date | Mar 06, 2023 |
| Instrument | 3664/3453 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Mar 07, 2017 |
| Property Address | 309 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0032900704 |
| Book / Page | 3290 / 0704 |
| Map Reference | MB4 PG80 |
| Instrument Date | Mar 03, 2017 |
| Instrument | 3121616 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2022 |
| Title Company | MEGILL ESCROW & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 636 PERRY CREEK DR, 636, GRAND BLANC, MI 48439-1474 |
| Name | Verified Name |
|---|---|
| Address | 10057 VIA GRANDE, NAVARRE, FL 32566-1257 |
| Document Number | 0003121617 |
|---|---|
| Date | Mar 07, 2017 |
| Instrument | 3121617 |
| Name | FBT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,440.00 (+31.15%) Homeowner's exemption | $156,881 (+22.85%) | $241,086 (+2.75%) Land $92,293 Building $148,793 |
| 2023 | $1,098.00 (+3.29%) Homeowner's exemption | $127,698 (+3%) | $234,628 (+7.79%) Land $74,250 Building $160,378 |
| 2022 | $1,063.00 Homeowner's exemption | $123,979 | $217,669 Land $69,392 Building $148,277 |
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 130 of 140 on primary residences |
| Nearby Flood Claims | 20 (2001–2026) |
| Claims Outside the SFHA | 7 of 20 |
| Most Recent Claim | Aug 2026, rainfall accumulation |
| Flood Events |
|
| 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.
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