Okaloosa County property record for 55 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 2010 |
| Square Footage | 1,415 sqft Living Area |
| Lot Size | 5,820 sqft (0.134 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $346,000 (2025) |
| Tax Bill | $3,009.00 (2025) |
| Primary APN | C56-000-595-0874-7 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,415 sqft Living Area |
| Gross Area | 1,928 sqft Gross Area |
| 1st Floor | 1,415 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 5,820 sqft (0.134 acres) |
| Garage Type | Attached Garage |
| Garage Area | 360 sqft Garage |
| Porch Area | 153 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Street Address | 55 RUBY CIR |
|---|---|
| City | MARY ESTHER |
| State | FL |
| Zip | 32569-2600 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EMERALD ESTATES LOT 22 |
| Legal Range | 24W |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Lot Number | 22 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 22900 |
Source: Okaloosa County records · APN C56-000-595-0874-7
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 | Individual Name on File |
|---|---|
| Mailing Address | 55 RUBY CIR, MARY ESTHER, FL 32569-2600 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Apr 03, 2025 | Warranty Deed, Construction Loan · Building or Construction Mortgage KIAVI FUNDING INC |
| Dec 20, 2018 | Loan Modification, Mortgage · Conventional Mortgage FEDERAL NAT'L MTG ASSN (FNMA) |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on Record |
| Deed Sale | Jul 15, 2025 · Amount on Record |
| Prior Sale | Apr 03, 2025 · Amount on Record |
| Deed Doc Number | 20253763909 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Apr 03, 2025 |
| Property Address | 55 RUBY CIR, MARY ESTHER, FL 32569-2600 |
| Document Number | 0003746297 |
| Map Reference | MB 13 PG 68 |
| Instrument Date | Mar 31, 2025 |
| Instrument | 3746297 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 09, 2025 |
| Title Company | UNKNOWN, OLD SOUTH LAND TTL CO SHALIM |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 209 MILL RUN CT, NEWPORT NEWS, VA 23603-1352 |
| Name | Verified Name |
|---|---|
| Address | 80 BERWICK CIR, SHALIMAR, FL 32579-1519 |
| Investor | Possibly a Property Investor |
| Document Number | 0003746299 |
|---|---|
| Date | Apr 03, 2025 |
| Instrument | 3746299 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 55 RUBY CIR, MARY ESTHER, FL 32569-2600 |
| Document Number | 0033842889 |
| Instrument Date | Dec 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 281 MARY ESTHER FL 325690281, MARY ESTHER, FL 32569-0281 |
| Document Number | 0033842889 |
|---|---|
| Date | Feb 08, 2019 |
| Book Page | 003384/002889 |
| Instrument | 3257859 |
| Name | FEDERAL NAT'L MTG ASSN (FNMA) |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 07, 2059 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,009.00 (+5.32%) | $211,120 (-0.56%) Land $68,072 Building $143,048 | $211,120 (-0.56%) Land $68,072 Building $143,048 |
| 2023 | $2,857.00 (+7.65%) | $212,319 (+6.38%) Land $54,764 Building $157,555 | $212,319 (+6.38%) Land $54,764 Building $157,555 |
| 2022 | $2,654.00 | $199,583 Land $51,181 Building $148,402 | $199,583 Land $51,181 Building $148,402 |
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