Lee County property record for 3706 Ruby Ave, Saint James City, FL 33956 · Last verified August 2026
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 2 ba · 1,379 sqft · built 1995 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $740,000 (Apr 2022) |
| Tax Bill | $9,681 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 02-46-22-11-0000B.0280 |
| Primary APN | 02-46-22-11-0000B.0280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,379 sqft Living Area |
| Gross Area | 4,784 sqft |
| 1st Floor Area | 1,379 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Roof Type | Hip |
| Roof Material | Metal |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 110 ft deep x 58 ft wide |
| View / Lot | Canal Front |
| Garage Type | Attached |
| Garage Area | 838 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 493 sqft |
|---|---|
| Porch | Finished/Open Porch |
| Porch Area | 508 sqft |
| Patio Area | 493 sqft |
| Lawn Sprinklers | Lawn Sprinklers |
| Boat Lift | Boat Lift |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 10019930 |
|---|---|
| Street Address | 3706 RUBY AVE |
| City | SAINT JAMES CITY |
| State | FL |
| Zip | 33956-2209 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | BAYVIEW ACRES BLK B PB 11 PG 101 LOT 28 |
| Legal Range | 22E |
| Legal Township | 46S |
| Legal Section | 02 |
| Legal Subdivision | BAYVIEW ACRES |
| Legal Tract | 11 |
| Legal Block | B |
| Legal Lot Number | 28 |
| Jurisdiction | LEE FL |
| Township / Civil Division | PINE ISLAND |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 70201 |
Source: Lee County records · APN 02-46-22-11-0000B.0280
Assessment roll updated July 29, 2026 · Last verified August 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 | 24 COUNTRY CLUB DR, LARGO, FL 33771-2220 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC |
| Apr 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 11, 2022 · Amount on Record |
| Deed Sale | Apr 11, 2022 · Amount on Record |
| Prior Sale | Apr 13, 2021 · Amount on Record |
| Deed Document Number | 2022119382 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Apr 11, 2022 |
| Property Address | 3706 RUBY AVE, SAINT JAMES CITY, FL 33956-2209 |
| Document Number | 0000119382 |
| Map Reference | MB 11 PG 100 |
| Instrument Date | Apr 05, 2022 |
| Instrument | 2022000119382 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2022 |
| Title Company | FLORIDA HOMETOWN TITLE AND ESCRO, FLORIDA HOMETOWN T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,180.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8238 W POPLAR DR, 8238, MEQUON, WI 53097-3282 |
| Name | Verified Name |
|---|---|
| Address | 24 COUNTRY CLUB DR, LARGO, FL 33771-2220 |
| Document Number | 0000119383 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 2022000119383 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.87% |
| Type Change Date | May 01, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.87% |
| Max Rate At Change | 12.8% |
| Index | Other |
| Margin | 4 |
| Max Rate | 12.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LEE FL |
| Recording Date | Apr 13, 2021 |
| Property Address | 3706 RUBY AVE, SAINT JAMES CITY, FL 33956-2209 |
| Document Number | 0000116875 |
| Map Reference | MB 11 PG 100 |
| Instrument Date | Apr 06, 2021 |
| Instrument | 2021000116875 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2022 |
| Title Company | LANDSEL TITLE, LANDSEL TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,689.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4789 DREAM CATCHER AVE, 4789, LAS VEGAS, NV 89129-5324 |
| Name | Verified Name |
|---|---|
| Address | 8238 W POPLAR DR, MEQUON, WI 53097-3282 |
| Document Number | 0000116876 |
|---|---|
| Date | Apr 13, 2021 |
| Instrument | 2021000116876 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Lee County records · Assessment roll updated July 29, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Lee County |
| Unified School District | Lee 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 |
|---|---|---|---|
| 2026 | $643,319 (+1%) | $652,782 (+0.42%) Land $158,385 Building $494,397 | |
| 2025 | $9,681.00 (+20.71%) | $584,835 (+12.75%) | $650,053 (+25.32%) Land $180,324 Building $469,729 |
| 2023 | $8,020.00 (+2.97%) | $518,700 (+0.85%) Land $183,923 Building $334,777 | $518,700 (+0.85%) Land $183,923 Building $334,777 |
| 2022 | $7,789.00 | $514,329 Land $167,700 Building $346,629 | $514,329 Land $167,700 Building $346,629 |
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
| 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 |
|
| 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.
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 |
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