3705 Ruby Ave, Saint James City, FL 33956 Property Records

Lee County property record for 3705 Ruby Ave, Saint James City, FL 33956 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,280 sqft · built 1975
Lot Size	0.157 acres (6,839 sqft)
Owner	2 Company Names on File
Last Sale	$260,000 (Feb 2019)
Tax Bill	$3,544 (2025)
Deeds & Mortgages	Sep 2022 Transfer Mar 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`02-46-22-11-0000B.0230`

Property Details

APN / Parcel Number

Primary APN	`02-46-22-11-0000B.0230`
Alternative APNs	`220246110000B0230` `10019925`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	3,177 sqft
1st Floor Area	1,440 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Concrete Block
Roof Type	Gable
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	Carport
Garage Area	457 sqft
Carport	Carport
Carport Area	457 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	312 sqft
Porch	Florida Room
Porch Area	84 sqft
Patio Area	528 sqft
Boat Access	Boat Access
Boat House	336 sqft
Boat Lift	Boat Lift

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10019925
Street Address	3705 RUBY AVE
City	SAINT JAMES CITY
State	FL
Zip	33956-4200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYVIEW ACRES BLK B PB 11 PG 101 LOT 23
Legal Range	22E
Legal Township	46S
Legal Section	02
Legal Subdivision	BAYVIEW ACRES
Legal Tract	11
Legal Block	B
Legal Lot Number	23
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.0230

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 Company Names on File
Mailing Address	3705 RUBY AVE, SAINT JAMES CITY, FL 33956-4200
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Mar 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Feb 04, 2019	Warranty Deed, Transfer HALL & RIGGS JOINT F/TR (RT)
Dec 11, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 04, 2019 · Amount on Record
Deed Sale	Feb 04, 2019 · Amount on Record
Deed Document Number	201924155
Last Transfer Date	Sep 21, 2022
Transfer Doc	0000299764
Record Updated	Jun 08, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LEE FL
Recording Date	Sep 22, 2022
Property Address	3705 RUBY AVE, SAINT JAMES CITY, FL 33956-4200
Document Number	0000299764
Map Reference	MB 11 PG 100&101
Instrument Date	Sep 21, 2022
Instrument	2022000299764
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3705 RUBY AVE, 3705, ST JAMES CITY, FL 33956-4200

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3705 RUBY AVE, ST JAMES CITY, FL 33956-4200

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE FL
Property Address	3705 RUBY AVE, SAINT JAMES CITY, FL 33956-4200
Document Number	0000061250
Instrument Date	Mar 03, 2020
Transaction Type	Mortgage
Record Updated	Apr 16, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3705 RUBY AVE ST JAMES CITY FL 339564200, ST JAMES CITY, FL 33956-4200

Mortgage

Document Number	0000061250
Date	Mar 10, 2020
Instrument	61250

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 09, 2035

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LEE FL
Recording Date	Feb 04, 2019
Property Address	3705 RUBY AVE, SAINT JAMES CITY, FL 33956-4200
Document Number	0000024155
Instrument Date	Jan 29, 2019
Instrument	24155
Transaction Type	Transfer
Record Updated	Mar 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2290 OLEANDER ST ST JAMES CITY FL 339562028, ST JAMES CITY, FL 33956-2028

Mortgage

Document Number	24156
Date	Feb 04, 2019
Instrument	24156

Lender

Name	HALL & RIGGS JOINT F/TR (RT)
Address	PO BOX 264, BOKEELIA, FL 33922-0264

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Feb 03, 2020

Interest

Rate	6%

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	LEE FL
Recording Date	Dec 11, 2017
Property Address	3705 RUBY AVE, SAINT JAMES CITY, FL 33956-4200
Document Number	0000256283
Instrument Date	Dec 08, 2017
Instrument	256283
Transaction Type	Transfer
Record Updated	Jan 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 SW 7TH LN CAPE CORAL FL 339911610, CAPE CORAL, FL 33991-1610

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	$3,544.00 (+9.11%) Homeowner's exemption	$257,150 (+7.99%)	$444,649 (-15.06%) Land $186,858 Building $257,791
2023	$3,248.00 (-0.58%) Homeowner's exemption	$238,117 (+3%)	$523,465 (+15.81%) Land $183,924 Building $339,541
2022	$3,267.00 Homeowner's exemption	$231,182	$452,021 Land $167,700 Building $284,321

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lee County (12071C), updated September 23, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120710702012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Coastal	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 383 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	393 units insured 10 under condo master policies
Nearby Flood Claims	345 (2017–2024)
Most Recent Claim	Oct 2024, tidal / storm surge, Hurricane Milton
Claims By Storm	Hurricane Milton, Oct 2024 · 66 claims Hurricane Ian, Oct 2022 · 123 claims Hurricane Ian, Oct 2022 · 119 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 216 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Xfinity	Cable	2,000 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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