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44 Ruby Cir, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 44 Ruby Cir, Mary Esther, FL 32569 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1993
Square Footage1,343 sqft Living Area
Lot Size4,152 sqft (0.095 acres)
OccupancyOwner Occupied
Last Sale$329,500 (2025)
Tax Bill$3,054.00 (2025)

Property Details

APN / Parcel Number

Primary APNC56-000-595-0902-6
Alternative APNs
  • 16-2S-24-120A-0000-0500
  • 24S216120A00000500

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,343 sqft Living Area
Gross Area1,789 sqft Gross Area
1st Floor1,343 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1993
Exterior MaterialAluminum/Vinyl Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Roof
Lot Area4,152 sqft (0.095 acres)
Garage TypeAttached Garage
Garage Area276 sqft Garage
Patio Area150 sqft Patio
Porch Area170 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address44 RUBY CIR
CityMARY ESTHER
StateFL
Zip32569-1695
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEMERALD ESTATES LOT 50
Legal Range24W
Legal Township02S
Legal Section16
Legal SubdivisionEMERALD ESTATES
Legal Lot Number50
JurisdictionOKALOOSA FL
Minor Civil DivisionFORT WALTON BEACH
Census Blockgroup3
Census Block3006
Census Tract22900

Owner

Source: Okaloosa County records · APN C56-000-595-0902-6

Assessment roll updated December 31, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address44 RUBY CIR, MARY ESTHER, FL 32569-1695
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
NEW CORPORATION LENDING LLC
Oct 05, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENTAGON FCU
Feb 24, 2017Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 12, 2025 · Amount on Record
Deed SaleJun 12, 2025 · Amount on Record
Deed Doc Number20253759269
Record RefreshedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Recording DateJul 15, 2026
Property Address44 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0003827883
Instrument DateJul 10, 2026
Instrument20263827883
Transaction TypeMortgage
Record UpdatedAug 04, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address44 RUBY CIR, MARY ESTHER, FL 32569-1695

Mortgage

Document Number0003827883,
DateJul 15, 2026
Instrument20263827883
Lender
NameNEW CORPORATION LENDING LLC
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.52%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address44 RUBY CIR, MARY ESTHER, FL 32569-1695
Transaction TypeMortgage
Record UpdatedOct 20, 2021
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 RED MAPLE WAY, NICEVILLE, FL 32578-3742

Mortgage

Document Number0035782466
DateOct 05, 2021
Book Page3578/2466
Instrument3494499
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 01, 2036

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address44 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0032901937
Instrument DateFeb 24, 2017
Transaction TypeMortgage
Record UpdatedAug 17, 2018
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address2300 CANAL DR NICEVILLE FL 325782914, NICEVILLE, FL 32578-2914

Mortgage

Document Number0032901937
DateMar 09, 2017
Book Page003290/001937
Instrument3121958
Lender
NameREGIONS BK
TypeBank
AddressBIRMINGHAM, AL 35211
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMar 08, 2032

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOkaloosa County
MunicipalityMary Esther City
Unified School DistrictOkaloosa 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,054.00 (+5.27%)$214,278 (-0.53%) Land $68,072 Building $146,206$214,278 (-0.53%) Land $68,072 Building $146,206
2023$2,901.00 (+7.6%)$215,418 (+6.33%) Land $54,764 Building $160,654$215,418 (+6.33%) Land $54,764 Building $160,654
2022$2,696.00$202,603 Land $51,181 Building $151,422$202,603 Land $51,181 Building $151,422

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