Okaloosa County property record for 323 Echo Cir, Fort Walton Beach, FL 32548
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,509 sqft · built 1972 |
| Lot Size | 0.248 acres (10,805 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Aug 2011) |
| Tax Bill | $1,769 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C56-000-593-4554-6 |
| Primary APN | C56-000-593-4554-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,509 sqft Heated Area |
| Gross Area | 3,045 sqft |
| 1st Floor Area | 2,509 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Wood |
| Lot Area | 10,805 sqft (0.248 acres) |
| Lot Width | 92 ft Width |
| Porch | Open Porch |
| Porch Area | 197 sqft |
| Patio Area | 456 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 323 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 8 BLK B |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | OKALOOSA FL |
| Township / Civil Division | FORT WALTON BEACH |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 21902 |
323 Echo Cir is owned and occupied by an individual who acquired it in June 2022.
Source: Okaloosa County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 323 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 6, 2022 | Intrafamily Transfer, Transfer · VA Mortgage GUARANTEED RATE INC |
| Sep 29, 2021 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC |
| Jun 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2011 · Amount on File |
| Deed Sale | Aug 10, 2011 · Amount on File |
| Prior Sale | Aug 10, 2011 · Amount on File |
| Deed Document Number | 0029964014 |
| Last Transfer Date | Jun 6, 2022 |
| Transfer Doc | 0036260253 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 6, 2022 |
| Property Address | 323 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0036260253 |
| Book / Page | 3626 / 253 |
| Map Reference | MB 4 PG 80 |
| Instrument Date | May 6, 2022 |
| Instrument | 3555380 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Title Company | NOT AVAILABLE, OLD SOUTH LAND TITLE CO INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 PINEWOOD TER, 103, FORT WALTON BEACH, FL 32548-6311 |
| Name | Verified Name |
|---|---|
| Address | B323 ECHO CIRCLE, FORT WALTON BEACH, FL 32548 |
| Document Number | 0003626254 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 3626/254 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 323 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|---|
| Address | 323 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0035770987 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 3577/987 |
| Instrument | 3492941 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 323 ECHO CIR, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0034733091 |
| Instrument Date | Jun 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 323 ECHO CIR FORT WALTON BEACH FL 325486303, FORT WALTON BEACH, FL 32548-6303 |
| Document Number | 0034733091 |
|---|---|
| Date | Jul 6, 2020 |
| Book Page | 003473/003091 |
| Instrument | 3370957 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 5, 2040 |
The 2025 property tax bill for 323 Echo Cir was $1,769 with exemptions applied.
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 | $1,769.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $188,689 | $367,017 Land $92,293 Building $274,724 |
| 2023 | $1,660.00 (+3.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $178,030 (+3%) | $389,619 (+7.95%) Land $74,250 Building $315,369 |
| 2022 | $1,610.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $172,845 | $360,932 Land $69,392 Building $291,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 323 Echo Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
The area around 323 Echo Cir has no burnable land within ember reach, so its wildfire risk is not rated.
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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