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Single Family ResidenceResidential
$348,781$231 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $89,800 on Jan 1, 1994

32 RUBY CIR

MARY ESTHER, FL 32569
4
Beds
3
Baths
1,512 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4,194 ft²
Lot SizeThe size of the land the home sits on, from county records.
1993
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$349K
$326K low$371K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$89,800 · Jan 1, 1994
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$133,320
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$106,656
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.64%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$198,000
MORTGAGE NOW INC · recorded Feb 6, 2006
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$17,461
EGLIN FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,518 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$147,518 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$143,361
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$225,824

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOkaloosa
Lot (acres)The size of the land the home sits on, from county records.0.10
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 28 ft²

Foreclosure Filings(1)

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Mary Esther Elementary SchoolB-
Elementary · Grades PK–5 · 0.7 mi
H
Fort Walton Beach High SchoolC+
High · Grades 9–12 · 1.2 mi
M
Max Bruner Junior Middle SchoolB+
Middle · Grades 6–8 · 1.4 mi

District: Okaloosa County School District

Neighborhood · ZIP 32569These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.95
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.78
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.20

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.29%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.12,480
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,114 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,081
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$100,843
Average tempThe average temperature here across a full year.67°F
Annual precipHow much rain and melted snow falls here in a typical year.67 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

32 Ruby Cir measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 95% of homes in Mary Esther 32569
  • Newer than 66% of homes in Mary Esther 32569

What homes are worth in Mary Esther 32569

Each bar is how many homes fall in that price range. The marker is this home.

This home
$135K$1.2M

This home is worth more than 54% of homes in Mary Esther 32569.

How it measures up in Mary Esther 32569

The dot is this home. The mark in the middle is the typical home in Mary Esther 32569.

Estimated value$348,781
CheaperTypical $339,243Pricier

Pricier than 54% of homes nearby

Price per ft²$231
CheaperTypical $219Pricier

Pricier than 64% of homes nearby

Living area1,512 ft²
SmallerTypical 1,539 ft²Bigger

Bigger than 48% of homes nearby

Lot size4,194 ft²
SmallerTypical 0.22 acBigger

Bigger than 5% of homes nearby

Year built1993
OlderTypical 1987Newer

Newer than 66% of homes nearby

How 32 Ruby Cir ranks against every home in each area.
MeasureThis homeMary Esther 32569Okaloosa County
Estimated valuepricier than$348,78154% of homes52% of homes
Price per ft²pricier than$23164% of homes62% of homes
Living areabigger than1,512 ft²48% of homes42% of homes
Lot sizebigger than4,194 ft²5% of homes9% of homes
Year builtnewer than199366% of homes53% of homes

About 32 Ruby Cir

How much is 32 Ruby Cir, Mary Esther, FL worth?

The TopHap Estimate for 32 Ruby Cir, Mary Esther, FL is $348,781 as of Jul 14, 2026. The likely range is $326,275 to $371,287. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 32 Ruby Cir, Mary Esther, FL last sell?

32 Ruby Cir, Mary Esther, FL last sold on Jan 1, 1994 for $89,800, according to the county's recorded deed.

How big is 32 Ruby Cir, Mary Esther, FL?

32 Ruby Cir, Mary Esther, FL has 4 bedrooms, 3 bathrooms, 1,512 square feet of living space and a 0.10-acre lot.

When was 32 Ruby Cir, Mary Esther, FL built?

32 Ruby Cir, Mary Esther, FL was built in 1993, making it 33 years old. The building has 2 stories.

What schools serve 32 Ruby Cir, Mary Esther, FL?

32 Ruby Cir, Mary Esther, FL is assigned to Mary Esther Elementary School (elementary), rated B-; Fort Walton Beach High School (high), rated C+; Max Bruner Junior Middle School (middle), rated B+. All sit in Okaloosa County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 32 Ruby Cir, Mary Esther, FL compare to other homes in Mary Esther 32569?

Among the 5,107 homes in Mary Esther 32569, it is worth more than 54% of them ($348,781 against a typical $339,243), its price per square foot is higher than 64% of them ($231 against a typical $219), it is bigger than 48% of them (1,512 ft² against a typical 1,539 ft²), its lot is bigger than 5% of them (4,194 ft² against a typical 0.22 ac) and it is newer than 66% of them (1993 against a typical 1987). Measured against all of Okaloosa County, it is worth more than 52% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 32 Ruby Cir, Mary Esther, FL?

The 2025 property tax bill for 32 Ruby Cir, Mary Esther, FL was $1,518. The county assessed it at $147,518.

Closest homes

More homes in Mary Esther 32569

Assigned schools

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