Okaloosa County property record for 345 Echo Cir, Fort Walton Beach, FL 32548 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1977 |
| Square Footage | 1,465 sqft Living Area |
| Lot Size | 13,236 sqft (0.304 acres) |
| Garage | Attached, 484 sqft |
| Last Sale | $375,000 (2022) |
| Tax Bill | $3,290.00 (2025) |
| Primary APN | C56-000-593-4621-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,465 sqft Living Area |
| Gross Area | 2,288 sqft Gross Area |
| 1st Floor | 1,465 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 13,236 sqft (0.304 acres) |
| Lot Width | 90 ft Width |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Porch Area | 273 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 345 ECHO CIR |
|---|---|
| City | FORT WALTON BEACH |
| State | FL |
| Zip | 32548-6320 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PINEDALE S/D 1ST ADD LOT 12 BLK D |
| Legal Range | 24W |
| Legal Township | 02S |
| Legal Section | 09 |
| Legal Subdivision | PINEDALE S/D 1ST ADD |
| Legal Block | D |
| Legal Lot Number | 12 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 4 |
| Census Block | 4006 |
| Census Tract | 21902 |
Source: Okaloosa County records · APN C56-000-593-4621-3
Assessment roll updated December 31, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 108 N HIGHWAY 99, CUSHING, OK 74023-6244 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 27, 2022 | Warranty Deed, Transfer · Line of Credit THE LYON COUNTY STATE BANK |
| Oct 23, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage PENNYMAC |
| Jul 25, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 27, 2022 · Amount on Record |
| Deed Sale | Apr 27, 2022 · Amount on Record |
| Prior Sale | Jul 25, 2018 · Amount on Record |
| Deed Doc Number | 20223545430 |
| Deed Book / Page | 3618 / 2565 |
| Prior Transfer Date | Jan 12, 2010 |
| Prior Transfer Doc | 0029252563 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 27, 2022 |
| Property Address | 345 ECHO CIR, FORT WALTON BEACH, FL 32548-6320 |
| Document Number | 0036182565 |
| Book / Page | 3618 / 2565 |
| Map Reference | MB 5 PG 63 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 3545430 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,625.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 144 NW SUMTER ST, 144, MADISON, FL 32340-2041 |
| Name | Verified Name |
|---|---|
| Address | 345 ECHO CIR, FORT WALTON BEACH, FL 32548-6320 |
| Document Number | 0036182567 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 3618/2567 |
| Name | THE LYON COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0036182571 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 3618/2571 |
| Instrument | 3545432 |
| Name | THE LYON COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Address | EMPORIA, KS 66801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 345 ECHO CIR, FORT WALTON BEACH, FL 32548-6320 |
| Document Number | 0034264021 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 345 ECHO CIR FORT WALTON BEACH FL 325486320, FORT WALTON BEACH, FL 32548-6320 |
| Document Number | 0034264021 |
|---|---|
| Date | Oct 31, 2019 |
| Book Page | 003426/004021 |
| Instrument | 3315367 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jul 25, 2018 |
| Property Address | 345 ECHO CIR, FORT WALTON BEACH, FL 32548-6320 |
| Document Number | 0033602690 |
| Book / Page | 003360 / 002690 |
| Instrument Date | Jul 18, 2018 |
| Instrument | 3221942 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2018 |
| Title Company | SOUTHTRUST LAW AND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 345 ECHO CIR FORT WALTON BEACH FL 325486320, FORT WALTON BEACH, FL 32548-6320 |
| Document Number | 33602692 |
|---|---|
| Date | Jul 25, 2018 |
| Book Page | 003360/002692 |
| Instrument | 3221943 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2048 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified April 2026
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,290.00 (+1.39%) | $268,241 (+2.32%) Land $96,908 Building $171,333 | $268,241 (+2.32%) Land $96,908 Building $171,333 |
| 2023 | $3,245.00 (+16.52%) | $262,169 (+7.81%) Land $77,962 Building $184,207 | $262,169 (+7.81%) Land $77,962 Building $184,207 |
| 2022 | $2,785.00 | $243,167 Land $72,862 Building $170,305 | $243,167 Land $72,862 Building $170,305 |
Source: FEMA National Flood Hazard Layer, Okaloosa County (12091C), updated March 8, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Moderate above 58% of the US · above 30% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,020 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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