Ruby Condominium

4140 NW 44TH AVE LAUDERDALE LAKES, FL 33319 · 64 units · built 1972

LIKELY BLOCKED
Likely a problem for an FHA loanBased on public record. Confirm the items below before you rely on it.
REC / LAND LEASENo amenity lease found — land lease not verifiedNo separate-owner amenity parcel found in BCPA data — but a land/declaration lease is NOT in public record. This is exactly the gap that misleads people; confirm via the FS 718.504 FAQ before relying on it. BCPA parcel · FS 718.504 FAQ confirmsNot checked· checked 2026-06-22
Spot rejectedBuilt 1972CondoNo amenity lease · verifyDBPR delinquentNo VA record

What you still need to confirm

VERIFYOwner-occupancy ≥ 50%Not in public record — ask the association or estimate from rental density.
FLAGReserves funded / SIRSDBPR shows DELINQUENT — investigate reserves. Proxy, not a reserves determination.
VERIFYLitigation / special assessmentNot yet checked — Clerk of Courts / estoppel.

Record · enriched

FHA score breakdown
fha Rejected-SingleUnit:-20; year 1972<1976:-20
Address HUD Condlook
4140 NW 44TH AVE LAUDERDALE LAKES, FL 33319
FHA status
Rejected Single-Unit Approval
HUD CondlookConfirmedrecord 05/13/2020· checked 2026-06-22
Year · units
1972 · 64 units
BCPA · DBPR parcelConfirmedrecord 11/01/1971· checked 2026-06-22
BCPA use · folio
04 - Condominium
494124CK0010 · legal-name 1.00
BCPA parcelConfirmed· checked 2026-06-22
VA overlay
No VA Condo Report record
VA public reportNot checked· checked 2026-06-22
Concentration HUD
0.00%
Managing entity DBPR filing
RUBY CONDO ASSN INC
4140 NW 44TH AVE, LAUDERDALE LAKES, FL, 33319

Phase 4 — contact

Registered agent · Sunbiz
MOORE MARCELLE
4140 NW 44TH AVE, LAUDERDALE LAKES, FL 33319
Board officers · Sunbiz
Pres: CARDONA JUAN C; Trea: Moore Marcelle; Dire: Gooden Valerie; VP: Gonzalez Mercedes; Dire: Cox Dizzierene L

Lender-decision factors

The facts that actually pass or kill a loan. Public record reaches only a few — the rest live in the condo questionnaire and financials, obtainable below.

OBTAIN% owner-occupancyFHA: ≥ 50% owner-occupied; many conventional loans require ≥ 50%.Not in public record — obtain via lender questionnaire. Request this document →Lender condo questionnaireT2 · document
OBTAIN% single-entity ownership> 10–25% owned by one entity can kill warrantability.Not in public record — obtain via lender questionnaire. Request this document →Questionnaire / BCPA parcel rollupT2 · document
OBTAIN% HOA-fee delinquency (> 60 days)> 15% delinquent kills FHA and most conventional.Not in public record — obtain via operating budget / questionnaire. Request this document →Budget / questionnaireT2 · document
OBTAINReserve fundingFL SIRS mandate + warrantability: reserves must be funded, not waived.Not in public record — obtain via operating budget / reserve study. Request this document →Budget / reserve study / DBPR SIRST2 · document
OBTAINSpecial assessments (active / pending)Active/pending assessments affect DTI and warrantability.Not in public record — obtain via operating budget / minutes. Request this document →Budget / association minutesT2 · document
OBTAINPending litigationActive suits naming the association can kill warrantability.Not in public record — obtain via association minutes / estoppel. Request this document →County Clerk of CourtsT1 · public record
OBTAINInsurance adequacy (wind / flood / liability)Lapsed master policy is a conventional-rejectable, FL deal-killer.Not in public record — obtain via declarations page / COI. Request this document →Association master policy / COIT2 · document
OBTAINMilestone inspection / SIRS statusFL statute (post-Surfside): 40/50-yr recertification + SIRS mandatory.Not in public record — obtain via association minutes / building dept. Request this document →Building department · DBPRT1 · public record
OBTAINCommercial space %> 35% commercial kills FHA eligibility.Not in public record — obtain via lender questionnaire. Request this document →BCPA land-use + questionnaireT3 · inferred

Documents

The last-mile documents that decide a loan. Where we hold one it's here; otherwise request it or upload it — uploads show as in review until a human verifies them.

FS 718.504 FAQ & AnswersThe ground-truth disclosure — rec/land lease, owner-occupancy, reserves, litigation.
Not yet obtained
Request the 718.504 FAQ by email
Lender condo questionnaire (FNMA 1076)Full or short-form warrantability questionnaire.
Not yet obtained
Current operating budgetReserves, delinquency, special assessments.
Not yet obtained
Reserve study / SIRSStructural integrity reserve study + schedule.
Not yet obtained
Recorded recreation / land leaseThe recorded instrument, if one exists.
Not yet obtained
Meeting minutes / milestone inspectionRecent minutes, SIRS, 40/50-yr milestone.
Not yet obtained

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Public-record screening, not financing advice. CondoFacts compiles HUD, BCPA, DBPR, and VA public records with confidence flags; it does not replace a lender's condo questionnaire or the association's FS 718.504 FAQ. Confirm with your lender before underwriting.