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94 Ruby Cir, Mary Esther, FL 32569 Property Records

Okaloosa County property record for 94 Ruby Cir, Mary Esther, FL 32569 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1995
Square Footage1,601 sqft Living Area
Lot Size5,182 sqft (0.119 acres)
GarageAttached, 380 sqft
Last Sale$365,000 (2026)
Tax Bill$1,973.00 (2025)

Property Details

APN / Parcel Number

Primary APNC56-000-595-0891-1
Alternative APNs
  • 16-2S-24-120A-0000-0390
  • 24S216120A00000390

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,601 sqft Living Area
Gross Area2,088 sqft Gross Area
1st Floor1,601 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Exterior MaterialAluminum/Vinyl Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialWood Roof
Lot Area5,182 sqft (0.119 acres)
Garage TypeAttached Garage
Garage Area380 sqft Garage
Porch Area107 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address94 RUBY CIR
CityMARY ESTHER
StateFL
Zip32569-1695
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionEMERALD ESTATES LOT 39
Legal Range24W
Legal Township02S
Legal Section16
Legal SubdivisionEMERALD ESTATES
Legal Lot Number39
JurisdictionOKALOOSA FL
Minor Civil DivisionFORT WALTON BEACH
Census Blockgroup3
Census Block3006
Census Tract22900

Owner

Source: Okaloosa County records · APN C56-000-595-0891-1

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

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

Owner of Record2 Individual Names on File
Mailing Address915A SOUTHVIEW CIR, FAYETTEVILLE, NC 28311-2012
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2022Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
GUARANTEED RATE AFFINITY LLC
Jun 18, 2024Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SERVICEMAC LLC
Apr 23, 2026Warranty Deed, Transfer · Veterans Administration Mortgage
MORTGAGE CENTER LLC
Jan 03, 2024Intrafamily Transfer, Transfer
Dec 31, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 23, 2026 · Amount on Record
Deed SaleApr 23, 2026 · Amount on Record
Prior SaleDec 31, 2018 · Amount on Record
Deed Doc Number20263812459
Prior Transfer DateDec 21, 2023
Prior Transfer Doc0003664630
Record RefreshedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address94 RUBY CIR, MARY ESTHER, FL 32569-1695
Transaction TypeMortgage
Record UpdatedMay 13, 2026
Title CompanyRAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address94 RUBY CIR, MARY ESTHER, FL 32569-1695

Mortgage

Document Number0035983222
DateJan 13, 2022
Book Page3598/3222
Instrument3519608
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

June 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOKALOOSA FL
Property Address94 RUBY CIR, MARY ESTHER, FL 32569-1695
Transaction TypeMortgage
Record UpdatedMay 13, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1805 N MYRTLE AVE, JACKSONVILLE, FL 32209-5626

Mortgage

Document Number0003694145
DateJun 18, 2024
Instrument3694145
Lender
NameSERVICEMAC LLC
TypeMortgage Company
AddressFORT MILL, SC 29707
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term332 Months
DueFeb 01, 2052

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateApr 23, 2026
Property Address94 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0003812459
Instrument DateApr 21, 2026
Instrument20263812459
Transaction TypeTransfer
Record UpdatedJul 06, 2026
Title CompanyCHICAGO TITLE W, CHICAGO TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$258,055.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0003812460,
DateApr 23, 2026
Instrument20263812460
Lender
NameMORTGAGE CENTER LLC
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMay 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.11%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

January 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOKALOOSA FL
Recording DateJan 03, 2024
Property Address94 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0003664630
Map ReferenceMB 13 PG 68
Instrument DateDec 21, 2023
Instrument3664630
Transaction TypeTransfer
Record UpdatedJan 25, 2024

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address1805 N MYRTLE AVE # 1183, 1183, JACKSONVILLE, FL 32209-5626

Transferred To (Grantee/Buyer)

NameVerified Name
Address94 RUBY CIR, MARY ESTHER, FL 32569-1695

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOKALOOSA FL
Recording DateDec 31, 2018
Property Address94 RUBY CIR, MARY ESTHER, FL 32569-1695
Document Number0033800523
Book / Page3380 / 0523
Map ReferenceMB 13 PG 68
Instrument DateDec 27, 2018
Instrument3251060
Transaction TypeTransfer
Record UpdatedJan 10, 2022
Title CompanyOLD SOUTH LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,512.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4673 CHANTEUSE PKWY, 4673, CRESTVIEW, FL 32539-4376

Transferred To (Grantee/Buyer)

NameVerified Name
Address94 RUBY CIR, MARY ESTHER, FL 32569-1695

Mortgage

Document Number0003251061
DateDec 31, 2018
Instrument3251061
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeNon-Lending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2049

Tax Assessment & Valuation

Source: Okaloosa County records · Assessment roll updated December 31, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,973.00 (+6.65%)$179,485 (+5.99%)$239,607 (-2.5%) Land $68,072 Building $171,535
2023$1,850.00 (+3.12%) Homeowner's exemption$169,347 (+3%)$245,741 (+6.32%) Land $54,764 Building $190,977
2022$1,794.00 Homeowner's exemption$164,415$231,135 Land $51,181 Building $179,954

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