41 Ruby Cir, Mary Esther, FL, 32569
About This Home
Price drop on this FOUR bedroom one story home with 2 car garage, new windows (July '26 - with last couple on order), and all new flooring (July '26) except tile in wet areas! You also benefit from the complete interior having been newly painted, including removing popcorn and now has flat finish in July '26!! The sliding glass backdoor to the yard is new in July '26, too, and the hot water heater was new in '24! With 4 bedrooms, you can have your special office / hobby room or give the kids some personal space. The floorplan provides a great room that is open to the dining area and kitchen! The 2 car garage has a work bench for your tinkering improver! This little known location is a very private enclave that is in the heart of Mary Esther, close to shopping and restaurants! Schools are top notch in Okaloosa County with most getting A's! You are never far from the white sandy beaches of the Emerald Coast, so make your appointment to see this fabulous home, and make your offer! Cheers!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Construction Complete
- Year built: 1994
Materials
- Roof: Shingle
- Construction materials: Concrete,Frame,Vinyl Siding,Trim Vinyl
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Refrigerator,Gas Water Heater
- Laundry features: Washer/Dryer Hookup
Bedroom
- Level: First
- Area: 110
- Dimensions: 11 x 10
Bedroom
- Level: First
- Area: 110
- Dimensions: 11 x 10
Bedroom
- Level: First
- Area: 100
- Dimensions: 10 x 10
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Dining Area
- Level: First
- Area: 132
- Dimensions: 12 x 11
Features
- Breakfast Bar,Newly Painted
- Flooring: Laminate,Tile
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Natural Gas
- Cooling features: Central Air
Interior Area
- Total structure area: 1,415
- Total interior livable area: 1,415 sqft
Kitchen
- Level: First
- Area: 73.5
- Dimensions: 10.5 x 7
Laundry
- Level: First
- Area: 36
- Dimensions: 6 x 6
Living Room
- Level: First
- Area: 208
- Dimensions: 16 x 13
Master Bedroom
- Level: First
- Area: 208
- Dimensions: 16 x 13
Property
Details
- Parcel number: 162S24120A00000150
- Zoning description: Resid Single Family
Features
- Stories: 1
- Patio & porch: Porch
- Exterior features: Private Yard
- Fencing: Privacy
Lot
- Lot size: 4,356 sqft
- Features: Interior Lot,Level
- Lot size dimensions: 48 ft x 90 ft
Parking
- Total spaces: 2
- Parking features: Garage Door Opener,Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Tornado
- Cold Wave
- Heat Wave
- Strong Wind
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Okaloosa County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,719 | $20,628 |
| Home Insurance * | $171 | $2,052 |
| Property Taxes | $401 | $4,812 |
| Electricity | $197 | $2,366 |
| Total | $2,488 | $29,856 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Price change | $330,000 |
| 2026-07-22 | Price change | $340,000 |
| 2026-07-17 | Listed for sale | $350,000 |
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