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74 Ruby Cir, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 74 Ruby Cir, Mary Esther, FL 32569 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1996
Square Footage1,393 sqft Heated Area
Lot Size4,152 sqft (0.095 acres)
OccupancyOwner Occupied
Last Sale$345,000 (2025)
Tax Bill$1,621.00 (2025)

Property Details

APN / Parcel Number

Primary APNC56-000-595-0881-2
Alternative APN
  • 16-2S-24-120A-0000-0290

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,393 sqft Heated Area
Gross Area1,825 sqft Gross Area
1st Floor1,393 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1996
Exterior MaterialVinyl Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Roof
Lot Area4,152 sqft (0.095 acres)
Garage TypeFinished Garage
Garage Area360 sqft Garage
PorchOpen Porch
Porch Area72 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air Heating

Location & Zoning

Street Address74 RUBY CIR
CityMARY ESTHER
StateFL
Zip32569-1695
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEMERALD ESTATES LOT 29
Legal Range24
Legal Township02S
Legal Section16
Legal SubdivisionEMERALD ESTATES
Legal Lot Number29
JurisdictionOKALOOSA FL
Minor Civil DivisionFORT WALTON BEACH
Census Blockgroup3
Census Block3006
Census Tract22900

Owner

Source: Okaloosa County records · APN C56-000-595-0881-2

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 RecordIndividual Name on File
Mailing Address42 7TH AVE UNIT 123, 123, SHALIMAR, FL 32579-1872
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 18, 2025Warranty Deed, Transfer · Veterans Administration Mortgage
CANOPY MORTGAGE LLC
Feb 29, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
May 23, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FAY SVCNG LLC
May 21, 2018Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FAY SVCNG LLC
Mar 21, 2017Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 18, 2025 · Amount on Record
Deed SaleJun 18, 2025 · Amount on Record
Prior SaleFeb 29, 2024
Deed Doc Number3760140
Record RefreshedJun 08, 2026

June 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateJun 18, 2025
Property Address74 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0003760140
Map ReferenceMB 13 PG 68
Instrument DateJun 18, 2025
Instrument3760140
Transaction TypeTransfer
Record UpdatedDec 09, 2025
Title CompanyEMERALD COAST TITLE SVCS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,415.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2372 CUMMINGS DR, FORT WALTON BEACH, FL 32547-2468

Transferred To (Grantee/Buyer)

NameVerified Name
Address42 7TH AVE UNIT 123, 123, SHALIMAR, FL 32579-1872

Mortgage

Document Number0003760141
DateJun 18, 2025
Instrument3760141
Lender
NameCANOPY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2055

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateFeb 29, 2024
Property Address74 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0003673714
Map ReferenceMB 13 PG 68
Instrument DateFeb 29, 2024
Instrument3673714
Transaction TypeTransfer
Record UpdatedMar 26, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address74 RUBY CIR, MARY ESTHER, FL 32569-1695

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 RUBY CIR, MARY ESTHER, FL 32569-1695

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address74 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0034652277
Instrument DateMay 23, 2020
Transaction TypeMortgage
Record UpdatedJul 21, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 RUBY CIR #CLR MARY ESTHER FL 325691695, MARY ESTHER, FL 32569-1695

Mortgage

Document Number0034652277
DateJun 01, 2020
Book Page003465/002277
Instrument3361738
Lender
NameFAY SVCNG LLC
AddressOAKBROOK TERRACE, IL 60181
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 31, 2050

May 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOKALOOSA FL
Recording DateMay 21, 2018
Property Address74 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0033504555
Book / Page003350 / 004555
Instrument DateApr 20, 2018
Instrument3208186
Transaction TypeTransfer
Record UpdatedJun 04, 2018
Title CompanyAMERICAN GUARDIAN TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,189.30
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 RUBY CIR MARY ESTHER FL 325691695, MARY ESTHER, FL 32569-1695

Mortgage

Document Number33504557
DateMay 21, 2018
Book Page003350/004557
Instrument3208187
Lender
NameFAY SVCNG LLC
AddressOAKBROOK TERRACE, IL 60181
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 20, 2048

March 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOKALOOSA FL
Recording DateMar 21, 2017
Property Address74 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0032914371
Book / Page003291 / 004371
Instrument DateMar 03, 2017
Instrument3124094
Transaction TypeForeclosure
Record UpdatedApr 18, 2017

Transaction

AmountAmount Recorded
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address440 S LA SALLE ST #2000 CHICAGO IL 606055011, 2000, CHICAGO, IL 60605-5011
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,621.00 (+7%) Homeowner's exemption$154,763 (+5.99%)$212,010 (-0.66%) Land $68,072 Building $143,938
2023$1,515.00 (+3.34%) Homeowner's exemption$146,020 (+3%)$213,415 (+6.35%) Land $54,764 Building $158,651
2022$1,466.00 Homeowner's exemption$141,767$200,676 Land $51,181 Building $149,495

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