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325 Echo Cir, Fort Walton Beach, FL 32548 Property Records

Okaloosa County property record for 325 Echo Cir, Fort Walton Beach, FL 32548 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,651 sqft · built 1972
Lot Size0.273 acres (11,901 sqft)
OwnerIndividual Name on File
Last Sale$220,000 (Mar 2015)
Tax Bill$1,644 (2025)
Deeds & MortgagesJan 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APNC56-000-593-4553-8

Property Details

APN / Parcel Number

Primary APNC56-000-593-4553-8
Alternative APN
  • 09-2S-24-3010-000B-0070

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,651 sqft Heated Area
Gross Area1,771 sqft
1st Floor Area1,351 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialWood
Lot Area11,901 sqft (0.273 acres)
Lot Width86 ft Width
Garage Area300 sqft
PorchOpen Porch
Porch Area120 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Street Address325 ECHO CIR
CityFORT WALTON BEACH
StateFL
Zip32548-6303
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPINEDALE S/D LOT 7 BLK B
Legal Range24
Legal Township02S
Legal Section09
Legal SubdivisionPINEDALE S/D
Legal BlockB
Legal Lot Number7
JurisdictionOKALOOSA FL
Township / Civil DivisionFORT WALTON BEACH
Census Block Group4
Census Block4008
Census Tract21902

Owner

Source: Okaloosa County records · APN C56-000-593-4553-8

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 RecordIndividual Name on File
Mailing Address325 ECHO CIR, FORT WALTON BEACH, FL 32548-6303
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 09, 2015 · Amount on Record
Deed SaleMar 09, 2015 · Amount on Record
Prior SaleOct 28, 2013 · Amount on Record
Deed Document Number2982726
Deed Book / Page3187 / 2411
Record UpdatedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address325 ECHO CIR, FORT WALTON BEACH, FL 32548-6303
Transaction TypeMortgage
Record UpdatedFeb 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address325 ECHO CIR, FORT WALTON BEACH, FL 32548-6303

Mortgage

Document Number0035212184
DateJan 27, 2021
Book Page3521/2184
Instrument3425380
Lender
NameBBVA USA
TypeBank
AddressDESTIN, FL 32541
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJan 15, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
Unified School DistrictOkaloosa County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,644.00 (+6.48%) Homeowner's exemption$173,494 (+5.99%)$257,423 (+1.6%) Land $92,293 Building $165,130
2023$1,544.00 (+3%) Homeowner's exemption$163,693 (+3%)$253,375 (+7.49%) Land $74,250 Building $179,125
2022$1,499.00 Homeowner's exemption$158,925$235,711 Land $69,392 Building $166,319

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 140 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies140 in force
Nearby Flood Claims20 (2001–2026)
Claims Outside the SFHA7 of 20
Most Recent ClaimAug 2026, rainfall accumulation
Claims By Storm
  • Hurricane Sally, Sep 2020 · 8 claims
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Apr 2014 · 8 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 372 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
LiveOak FiberFiber5,000 / 5,000
AT&TFiber5,000 / 5,000
Cox CommunicationsCable2,000 / 35
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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