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17 Ruby Cir, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 17 Ruby Cir, Mary Esther, FL 32569 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1994
Square Footage1,964 sqft Heated Area
Lot Size4,875 sqft (0.111 acres)
GarageFinished, 200 sqft
Last Sale$325,550 (2025)
Tax Bill$3,671.00 (2025)

Property Details

APN / Parcel Number

Primary APNC56-000-595-0856-4
Alternative APN
  • 16-2S-24-120A-0000-0040

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area1,964 sqft Heated Area
Gross Area2,372 sqft Gross Area
1st Floor1,136 sqft 1st Floor
Upper Floors828 sqft Upper Floors
Stories2 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1994
Exterior MaterialVinyl Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Roof
Lot Area4,875 sqft (0.111 acres)
Garage TypeFinished Garage
Garage Area200 sqft Garage
PorchOpen Porch
Porch Area208 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Street Address17 RUBY CIR
CityMARY ESTHER
StateFL
Zip32569-2600
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEMERALD ESTATES LOT 4
Legal Range24
Legal Township02S
Legal Section16
Legal SubdivisionEMERALD ESTATES
Legal Lot Number4
JurisdictionOKALOOSA FL
Minor Civil DivisionFORT WALTON BEACH
Census Blockgroup3
Census Block3005
Census Tract22900

Owner

Source: Okaloosa County records · APN C56-000-595-0856-4

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
Co-ownerVerified Secondary Owner
Mailing Address45 LAKE LORRAINE CIR, SHALIMAR, FL 32579-1617
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 04, 2022Warranty Deed, Transfer · Veterans Administration Mortgage
UNIVERSITY LENDING GROUP LLC
Oct 07, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
NATIONSTAR MORTGAGE LLC
Nov 05, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
FIDELITY BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 03, 2025 · Amount on Record
Deed SaleJun 03, 2025 · Amount on Record
Prior SaleFeb 06, 2025
Deed Doc Number3757415
Record RefreshedJun 08, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateAug 04, 2022
Property Address17 RUBY CIR, MARY ESTHER, FL 32569-2600
Document Number0036361953
Book / Page3636 / 1953
Map ReferenceMB 13 PG 68
Instrument DateAug 03, 2022
Instrument3569560
Transaction TypeTransfer
Record UpdatedAug 30, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,625.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4W5 BRIARCREST COURT, 4W5, BOWIE, MD 20720

Transferred To (Grantee/Buyer)

NameVerified Name
Address2009 PRESIDES STRETT, NAVARRE, FL 32566

Mortgage

Document Number0036361954
DateAug 04, 2022
Instrument3636/1954
Lender
NameUNIVERSITY LENDING GROUP LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address17 RUBY CIR, MARY ESTHER, FL 32569-2600
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address17 RUBY CIR, MARY ESTHER, FL 32569-2600

Mortgage

Document Number0034970272
DateOct 07, 2020
Book Page3497/272
Instrument3396812
Lender
NameNATIONSTAR MORTGAGE LLC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateNov 05, 2019
Property Address17 RUBY CIR, MARY ESTHER, FL 32569-2600
Document Number0034272054
Book / Page3427 / 2054
Map ReferenceMB 13 PG 68
Instrument DateOct 30, 2019
Instrument3316159
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyOLD SOUTH LAND TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,820.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address401 BRIAN CIR, 401, MARY ESTHER, FL 32569-1623

Transferred To (Grantee/Buyer)

NameVerified Name
Address17 RUBY CIR, MARY ESTHER, FL 32569-2600

Mortgage

Document Number0034272056
DateNov 05, 2019
Instrument3427-2056
Lender
NameFIDELITY BANK
TypeBank
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityMary Esther City
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$3,671.00 (+60.94%)$257,593 (+29.2%) Land $68,072 Building $189,521$257,593 (-1.96%) Land $68,072 Building $189,521
2023$2,281.00 (-36.16%) Homeowner's exemption$199,375 (-19.31%)$262,754 (+6.34%) Land $54,764 Building $207,990
2022$3,573.00$247,086 Land $51,181 Building $195,905$247,086 Land $51,181 Building $195,905

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