Okaloosa County property record for 72 Ruby Cir, Mary Esther, FL 32569 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,383 sqft Heated Area |
| Lot Size | 4,145 sqft (0.095 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $156,000 (2019) |
| Tax Bill | $1,816.00 (2025) |
| Primary APN | C56-000-595-0880-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,383 sqft Heated Area |
| Gross Area | 1,904 sqft Gross Area |
| 1st Floor | 1,383 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 4,145 sqft (0.095 acres) |
| Garage Type | Finished Garage |
| Garage Area | 400 sqft Garage |
| Porch | Open Porch |
| Porch Area | 121 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 72 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 28 |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Lot Number | 28 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 22900 |
Source: Okaloosa County records · APN C56-000-595-0880-4
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 72 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 18, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Jun 18, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNIVERSITY LENDING GROUP LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 18, 2019 · Amount on Record |
| Deed Sale | Jun 18, 2019 · Amount on Record |
| Prior Sale | Jul 22, 2009 · Amount on Record |
| Deed Doc Number | 3285553 |
| Deed Book / Page | 3404 / 3671 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 72 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2022 |
| Name | Verified Name |
|---|---|
| Address | 72 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Document Number | 0035874923 |
|---|---|
| Date | Nov 18, 2021 |
| Book Page | 3587/4923 |
| Instrument | 3506406 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 01, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Recording Date | Jun 18, 2019 |
| Property Address | 72 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Document Number | 0034043671 |
| Book / Page | 3404 / 3671 |
| Map Reference | MB 13 PG 68 |
| Instrument Date | May 17, 2019 |
| Instrument | 3285553 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | OLD SOUTH LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,092.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2613 CLINTON AVE W, 2613, HUNTSVILLE, AL 35805-3045 |
| Name | Verified Name |
|---|---|
| Address | 72 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Document Number | 0034043673 |
|---|---|
| Date | Jun 18, 2019 |
| Instrument | 3404-3673 |
| Name | UNIVERSITY LENDING GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $1,816.00 (+6.76%) Homeowner's exemption | $168,478 (+5.99%) | $214,142 (-0.72%) Land $68,072 Building $146,070 |
| 2023 | $1,701.00 (+3.22%) Homeowner's exemption | $158,961 (+3%) | $215,694 (+6.34%) Land $54,764 Building $160,930 |
| 2022 | $1,648.00 Homeowner's exemption | $154,331 | $202,835 Land $51,181 Building $151,654 |
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