Okaloosa County property record for 314 Echo Cir, Fort Walton Beach, FL 32548
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,404 sqft · built 1972 |
| Lot Size | 0.21 acres (9,189 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $165,000 (Jun 2015) |
| Tax Bill | $1,465 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-4587-6 |
| Primary APN | C56-000-593-4587-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,404 sqft Heated Area |
| Gross Area | 1,984 sqft |
| 1st Floor Area | 1,404 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,189 sqft (0.21 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 336 sqft |
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 314 ECHO CIR |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32548-6304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINEDALE S/D LOT 24 BLK C |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D |
| Legal Block | C |
| Legal Lot Number | 24 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 21902 |
Source: Okaloosa County records, as of December 8, 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 Record |
|---|---|
| Mailing Address | 314 ECHO CIR, FORT WALTON BEACH, FL 32548-6304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage EGLIN FCU |
| Jan 3, 2022 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Jun 28, 2019 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2015 · Amount on Record |
| Deed Sale | Jun 19, 2015 · Amount on Record |
| Prior Sale | Jun 19, 2015 · Amount on Record |
| Deed Document Number | 0032034335 |
| Deed Book / Page | 3203 / 4335 |
| Last Transfer Date | Jul 27, 2022 |
| Transfer Doc | 0036343690 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 27, 2022 |
| Property Address | 314 ECHO CIR, FORT WALTON BEACH, FL 32548-6304 |
| Document Number | 0036343690 |
| Book / Page | 3634 / 3690 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 3567283 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | OLD SOUTH LAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 347 ECHO CIR, 347, FORT WALTON BEACH, FL 32548-6320 |
| Name | Verified Name |
|---|---|
| Address | 314 ECHO CIR, FORT WALTON BEACH, FL 32548-6304 |
| Document Number | 0036343691 |
|---|---|
| Date | Jul 27, 2022 |
| Instrument | 3634/3691 |
| Name | EGLIN FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 314 ECHO CIR, FORT WALTON BEACH, FL 32548-6304 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 314 ECHO CIR, FT WALTON BCH, FL 32548-6304 |
| Document Number | 0035963275 |
|---|---|
| Date | Jan 3, 2022 |
| Book Page | 3596/3275 |
| Instrument | 3517079 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ELIZABETHTOWN, PA 17022 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 314 ECHO CIR, FORT WALTON BEACH, FL 32548-6304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK LLC |
| Name | Verified Name |
|---|
| Document Number | 0034062411 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 3406/2411 |
| Instrument | 3287894 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
Source: Okaloosa County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Unified School District | Okaloosa County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,465.00 (+6.62%) Homeowner's exemption | $158,901 (+5.99%) | $248,627 (+2.27%) Land $92,293 Building $156,334 |
| 2023 | $1,374.00 (+3.15%) Homeowner's exemption | $149,925 (+3%) | $243,117 (+7.8%) Land $74,250 Building $168,867 |
| 2022 | $1,332.00 Homeowner's exemption | $145,558 | $225,517 Land $69,392 Building $156,125 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 140 policies |
| 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 Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OKALOOSA CO.WTR.; SWR.SYSTEM serves 80,295 people · EPA ID FL1460506 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2023 |
| Lead | 3 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LiveOak Fiber Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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