Okaloosa County property record for 21 Ruby Cir, Mary Esther, FL 32569 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1994 |
| Square Footage | 2,082 sqft Heated Area |
| Lot Size | 7,918 sqft (0.181 acres) |
| Garage | Finished, 400 sqft |
| Last Sale | $381,000 (2021) |
| Tax Bill | $4,360.00 (2025) |
| Primary APN | C56-000-595-0858-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,082 sqft Heated Area |
| Gross Area | 3,082 sqft Gross Area |
| 1st Floor | 1,554 sqft 1st Floor |
| Upper Floors | 528 sqft Upper Floors |
| Stories | 2 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 7,918 sqft (0.181 acres) |
| Garage Type | Finished Garage |
| Garage Area | 400 sqft Garage |
| Patio Area | 286 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 314 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 21 RUBY CIR |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2600 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EMERALD ESTATES LOT 6 |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 22900 |
Source: Okaloosa County records · APN C56-000-595-0858-0
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 10523 Y ST, OMAHA, NE 68127-4534 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 02, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage HOMETOWN LENDERS INC |
| Nov 05, 2019 | Warranty Deed, Transfer · Conventional Mortgage FIRST FL BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 02, 2021 · Amount on Record |
| Deed Sale | Jun 02, 2021 · Amount on Record |
| Prior Sale | Mar 18, 2002 · Amount on Record |
| Deed Doc Number | 3459846 |
| Deed Book / Page | 3550 / 2721 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 02, 2021 |
| Property Address | 21 RUBY CIR, MARY ESTHER, FL 32569-2600 |
| Document Number | 0035502721 |
| Book / Page | 3550 / 2721 |
| Map Reference | MB 13 PG 68 |
| Instrument Date | May 18, 2021 |
| Instrument | 3459846 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,667.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 RUBY CIR, 21, MARY ESTHER, FL 32569-2600 |
| Name | Verified Name |
|---|---|
| Address | 6920 WINTER RIDGE ST, LAS VEGAS, NV 89149-0188 |
| Document Number | 35502723 |
|---|---|
| Date | Jun 02, 2021 |
| Instrument | 3550/2723 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Nov 05, 2019 |
| Property Address | 21 RUBY CIR, MARY ESTHER, FL 32569-2600 |
| Document Number | 0034272381 |
| Book / Page | 003427 / 002381 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 3316247 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2019 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $623.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 21 RUBY CIR MARY ESTHER FL 325692600, MARY ESTHER, FL 32569-2600 |
| Document Number | 34272383 |
|---|---|
| Date | Nov 05, 2019 |
| Book Page | 003427/002383 |
| Instrument | 3316248 |
| Name | FIRST FL BK |
|---|---|
| Type | Bank |
| Address | DESTIN, FL 32541 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Okaloosa County |
| Municipality | Mary Esther City |
| 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 | $4,360.00 (-3.99%) | $305,928 (-3.29%) Land $71,475 Building $234,453 | $305,928 (-3.29%) Land $71,475 Building $234,453 |
| 2023 | $4,541.00 (+5.21%) | $316,331 (+5.98%) Land $57,502 Building $258,829 | $316,331 (+5.98%) Land $57,502 Building $258,829 |
| 2022 | $4,316.00 | $298,481 Land $53,740 Building $244,741 | $298,481 Land $53,740 Building $244,741 |
21 Ruby Cir is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Okaloosa County (12091C), updated March 8, 2021
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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