Okaloosa County property record for 317 Echo Cir, Fort Walton Beach, FL 32548
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,716 sqft · built 1973 |
| Lot Size | 0.224 acres (9,760 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Jul 2021) |
| Tax Bill | $2,707 (2022) |
| Deeds & Mortgages | Jan 2026 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-4557-9 |
| Primary APN | C56-000-593-4557-9 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,716 sqft Heated Area |
| Gross Area | 2,020 sqft |
| 1st Floor Area | 1,716 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 9,760 sqft (0.224 acres) |
| Lot Width | 85 ft Width |
| Porch | Enclosed Porch |
| Porch Area | 304 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 317 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 11 BLK B |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D |
| Legal Block | B |
| Legal Lot Number | 11 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 4 |
| Census Block | 4008 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 317 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · VA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Jul 23, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE ONE OF THE SOUTH INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on Record |
| Deed Sale | Jul 23, 2021 · Amount on Record |
| Deed Document Number | 0035621952 |
| Deed Book / Page | 3562 / 1952 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 317 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 317 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0003794660 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 3794660 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 23, 2021 |
| Property Address | 317 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0035621952 |
| Book / Page | 3562 / 1952 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 3474485 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2021 |
| Title Company | VINTAGE TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1001 MAR WALT DR APT 507, 1001, FORT WALTON BEACH, FL 32547-6749 |
| Name | Verified Name |
|---|---|
| Address | 317 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 35621954 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 3562/1954 |
| Name | MORTGAGE ONE OF THE SOUTH INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
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 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $283,855 (+5.72%) Land $92,293 Building $191,562 | $283,855 (+1%) Land $92,293 Building $191,562 |
| 2023 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $268,493 (+3%) | $281,047 (+7.82%) Land $74,250 Building $206,797 |
| 2022 | $2,707.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $260,673 Land $69,392 Building $191,281 | $260,673 Land $69,392 Building $191,281 |
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 | Not rated no burnable land within 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 372 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 | 5,000 / 5,000 |
| Cox Communications Cable | 2,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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