Okaloosa County property record for 78 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 1994 |
| Square Footage | 1,309 sqft Heated Area |
| Lot Size | 4,166 sqft (0.095 acres) |
| Garage | Finished, 399 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $81,400 (1994) |
| Primary APN | C56-000-595-0883-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,309 sqft Heated Area |
| Gross Area | 1,920 sqft Gross Area |
| 1st Floor | 1,309 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 |
|---|---|
| Exterior Material | Vinyl Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Wood Roof |
| Lot Area | 4,166 sqft (0.095 acres) |
| Garage Type | Finished Garage |
| Garage Area | 399 sqft Garage |
| Patio Area | 192 sqft Patio |
| Porch | Open Porch |
| Porch Area | 20 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Street Address | 78 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 31 |
| Legal Range | 24 |
| Legal Township | 02S |
| Legal Section | 16 |
| Legal Subdivision | EMERALD ESTATES |
| Legal Lot Number | 31 |
| Jurisdiction | OKALOOSA FL |
| Minor Civil Division | FORT WALTON BEACH |
| Census Blockgroup | 3 |
| Census Block | 3006 |
| Census Tract | 22900 |
Source: Okaloosa County records · APN C56-000-595-0883-8
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 |
|---|---|
| Mailing Address | 78 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 18, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage CALIBER HM LOANS |
| Jan 03, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage MR COOPER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 1994 · Amount on Record |
| Deed Sale | Nov 01, 1994 · Amount on Record |
| Deed Doc Number | 0018762008 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 78 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Document Number | 0034304125 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | ALAMO TITLE COMPANY, ALAMO TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 78 RUBY CIR MARY ESTHER FL 325691695, MARY ESTHER, FL 32569-1695 |
| Document Number | 0034304125 |
|---|---|
| Date | Nov 26, 2019 |
| Book Page | 003430/004125 |
| Instrument | 3320645 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OKALOOSA FL |
| Property Address | 78 RUBY CIR, MARY ESTHER, FL 32569-1695 |
| Document Number | 0033810494 |
| Instrument Date | Jan 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Name | Verified Name |
|---|---|
| Address | 78 RUBY CIR MARY ESTHER FL 325691695, MARY ESTHER, FL 32569-1695 |
| Document Number | 0033810494 |
|---|---|
| Date | Jan 09, 2019 |
| Book Page | 003381/000494 |
| Instrument | 3252413 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 08, 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 | Homeowner's exemption Disabled Person's exemption Veteran's exemption | $120,882 (+6.85%) | $204,046 (+0.43%) Land $68,072 Building $135,974 |
| 2023 | $971.00 (+4.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $113,133 (+3%) | $203,168 (+6.34%) Land $54,764 Building $148,404 |
| 2022 | $932.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $109,838 | $191,052 Land $51,181 Building $139,871 |
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