3681 Ruby Ave, Saint James City, FL 33956 Property Records

Lee County property record for 3681 Ruby Ave, Saint James City, FL 33956

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,425 sqft · built 1974
Lot Size	0.157 acres (6,839 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Nov 2020)
Tax Bill	$7,474 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`02-46-22-11-0000B.0210`

Property Details

APN / Parcel Number

Primary APN	`02-46-22-11-0000B.0210`
Alternative APNs	`220246110000B0210` `10019923`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,425 sqft Living Area
Gross Area	4,308 sqft
1st Floor Area	1,486 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	110 ft deep x 63 ft wide
View / Lot	Canal Front
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	1 sqft
Porch	Florida Room
Porch Area	212 sqft
Patio Area	667 sqft
Lawn Sprinklers	Lawn Sprinklers
Boat Access	Boat Access
Boat Lift	Boat Lift

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10019923
Street Address	3681 RUBY AVE
City	SAINT JAMES CITY
State	FL
Zip	33956-4200
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	BAYVIEW ACRES BLK B PB 11 PG 101 LOT 21
Legal Range	22E
Legal Township	46S
Legal Section	02
Legal Subdivision	BAYVIEW ACRES
Legal Tract	11
Legal Block	B
Legal Lot Number	21
Jurisdiction	LEE FL
Township / Civil Division	PINE ISLAND
Census Block Group	2
Census Block	2005
Census Tract	70201

Owner

Source: Lee County records · APN 02-46-22-11-0000B.0210

Assessment roll updated April 13, 2026 · 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	8550 SW 26TH PL, DAVIE, FL 33328-1222
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 04, 2020 · Amount on Record
Deed Sale	Nov 04, 2020 · Amount on Record
Prior Sale	Sep 20, 2016 · Amount on Record
Deed Document Number	2020270091
Last Transfer Date	May 30, 2025
Transfer Doc	0000158461
Record Updated	Jun 08, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Nov 04, 2020
Property Address	3681 RUBY AVE, SAINT JAMES CITY, FL 33956-4200
Document Number	0000270091
Map Reference	MB 11 PG 100
Instrument Date	Oct 30, 2020
Instrument	2020000270091
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7030 COBIAC DR, 7030, SAINT JAMES CITY, FL 33956-2738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3681 RUBY AVE, SAINT JAMES CITY, FL 33956-4200

Mortgage

Document Number	0000270092
Date	Nov 04, 2020
Instrument	2020000270092

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Lee County records · Assessment roll updated April 13, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Lee County
Unified School District	Lee 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,474.00 (+0.24%)	$483,790 (-16.58%) Land $207,935 Building $275,855	$483,790 (-16.58%) Land $207,935 Building $275,855
2023	$7,456.00 (+13%)	$579,955 (+14%) Land $183,923 Building $396,032	$579,955 (+14%) Land $183,923 Building $396,032
2022	$6,598.00	$508,729 Land $167,700 Building $341,029	$508,729 Land $167,700 Building $341,029

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 23, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 383 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	393 units insured incl. 10 condo units
Nearby Flood Claims	345 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 66 claims Hurricane Ian, Oct 2022 · 123 claims Hurricane Ian, Oct 2022 · 119 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

Based on FCC filings for 216 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GREATER PINE ISLAND WATER ASSOCIATION private · serves 15,725 people
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.