10531 E Ruby Dr, Yuma, AZ 85365 Property Records

Yuma County property record for 10531 E Ruby Dr, Yuma, AZ 85365

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,299 sqft · built 2006
Lot Size	0.159 acres (6,950 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Jun 2021)
Tax Bill	$900 (2023)
Deeds & Mortgages	Aug 2022 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`700-19-143`

Property Details

APN / Parcel Number

Primary APN	`700-19-143`
Alternative APNs	`R0024450` `10647143`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,299 sqft Total Area
1st Floor Area	1,299 sqft
Flooring	Other

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,950 sqft (0.159 acres)
Garage Type	Attached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	R0024450
Old Parcel Number	10647143
Street Address	10531 E RUBY DR
City	YUMA
State	AZ
Zip	85365-7106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MHS-4.5
Legal Description	SUBDIVISION: FORTUNA HEIGHTS 3 LOT: 143 SECTION: 06 TOWNSHIP: 09S RANGE: 21W FOR-UN3-143
Legal Range	21W
Legal Township	09S
Legal Section	06
Legal Subdivision	FORTUNA HEIGHTS 3
Legal Lot Number	143 1983
Jurisdiction	YUMA AZ
Township / Civil Division	YUMA
Census Block Group	1
Census Block	1037
Census Tract	10916

Owner

Source: Yuma County records, as of November 22, 2023

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	10531 E RUBY DR, YUMA, AZ 85365-7106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jun 10, 2021	Warranty Deed, Transfer · Conventional Mortgage STARBOARD FINANCIAL MANAGEMENT LLC
Sep 29, 2017	Warranty Deed, Transfer · VA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2021 · Amount on Record
Deed Sale	Jun 10, 2021 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2021-22244
Record Updated	Jun 7, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YUMA AZ
Property Address	10531 E RUBY DR, YUMA, AZ 85365-7106
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10531 E RUBY DR, YUMA, AZ 85365-7106

Mortgage

Document Number	0000028122
Date	Aug 26, 2022
Instrument	2022-28122

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YUMA AZ
Recording Date	Jun 10, 2021
Property Address	10531 E RUBY DR, YUMA, AZ 85365-7106
Document Number	0000022244
Map Reference	MB 7 PG 6
Instrument Date	Jun 7, 2021
Instrument	2021-22244
Transaction Type	Transfer
Record Updated	Jul 2, 2021
Title Company	FIRST ARIZONA TITLE AGENCY INC, FIRST ARIZONA TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10531 E RUBY DR, 10531, YUMA, AZ 85365-7106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10531 E RUBY DR, YUMA, AZ 85365-7106

Mortgage

Document Number	0000022245
Date	Jun 10, 2021
Instrument	2021-22245

Lender

Name	STARBOARD FINANCIAL MANAGEMENT LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YUMA AZ
Recording Date	Sep 29, 2017
Property Address	10531 E RUBY DR, YUMA, AZ 85365-7106
Document Number	0000024505
Map Reference	MB7 PG6
Instrument Date	Sep 20, 2017
Instrument	2017-24505
Transaction Type	Transfer
Record Updated	Nov 19, 2021
Title Company	PIONEER TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	10531 E RUBY DR, YUMA, AZ 85365-7106

Mortgage

Document Number	0000024506
Date	Sep 29, 2017
Instrument	2017-24506

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Yuma County assessment roll, as of January 1, 2023

Property Jurisdictions

Type	Name
State	Arizona
County	Yuma County
Elementary School District	Yuma Elementary District (PK - 08)
Secondary School District	Yuma Union High School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$900.00	$10,323 Land $2,156 Building $8,167	$143,644 Land $30,000 Building $113,644

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 5, 2023

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 87% of Arizona
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FOOTHILLS WATER AND SEWER LLC private · serves 32,425 people · EPA ID AZ0414004
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2018
Treatment and Procedure	Treatment report not submitted Apr 2019
Monitoring and Reporting	117 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,023 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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