Okaloosa County property record for 38 Ruby Cir, Mary Esther, FL 32569 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1994 |
| Square Footage | 1,453 sqft Living Area |
| Lot Size | 4,173 sqft (0.096 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $308,000 (2023) |
| Tax Bill | $711.00 (2023) |
| Primary APN | C56-000-595-0899-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,453 sqft Living Area |
| Gross Area | 1,920 sqft Gross Area |
| 1st Floor | 1,453 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 4,173 sqft (0.096 acres) |
| Garage Type | Attached Garage |
| Garage Area | 399 sqft Garage |
| Porch Area | 68 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 38 RUBY CIR |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-1695 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EMERALD ESTATES LOT 47 |
| Legal Range | 24W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Lot Number | 47 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 22900 |
Source: Okaloosa County records · APN C56-000-595-0899-4
Assessment roll updated December 31, 2025 · Last verified June 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 | 38 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Jan 22, 2026 | Deed of Trust, Mortgage · Veterans Administration Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 18, 2023 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 18, 2023 · Amount on Record |
| Deed Sale | Oct 18, 2023 · Amount on Record |
| Deed Doc Number | 20233652801 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 38 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2812 ARNOLD PALMER CT, SHALIMAR, FL 32579-2238 |
| Document Number | 0003794570 |
|---|---|
| Date | Jan 22, 2026 |
| Instrument | 3794570 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Oct 18, 2023 |
| Property Address | 38 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Document Number | 0003652801 |
| Map Reference | MB 13 PG 68 |
| Instrument Date | Oct 04, 2023 |
| Instrument | 3652801 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2023 |
| Title Company | SETCO SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,156.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 WARWICK DR, SHALIMAR, FL 32579-1027 |
| Name | Verified Name |
|---|---|
| Address | 38 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Investor | Possibly a Property Investor |
| Document Number | 0003652802 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 3652802 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified June 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $220,347 (+75.07%) Land $68,072 Building $152,275 | $220,347 (+2.01%) Land $68,072 Building $152,275 | |
| 2024 | $3,229.00 (+354.15%) | ||
| 2023 | $711.00 (-3%) Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $125,865 (+3%) | $216,003 (+6.33%) Land $54,764 Building $161,239 |
| 2022 | $733.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption Additional exemption filed | $122,199 | $203,140 Land $51,181 Building $151,959 |
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