10321 E Joy Ln, Inverness, FL 34450 Property Records

Citrus County property record for 10321 E Joy Ln, Inverness, FL 34450

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 924 sqft · built 1984
Lot Size	0.59 acres (25,723 sqft)
Owner	Individual Name on File
Last Sale	$59,000 (Mar 2019)
Tax Bill	$570 (2025)
Deeds & Mortgages	Mar 2019 Sale
Flood Zone	Zone X (moderate risk)
APN	`20E-19S-12-1B000-120.0`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-12-1B000-120.0`
Alternative APNs	`1219S20E1B0001200` `2984015`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	924 sqft
Flooring	Subfloor

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1989
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	25,723 sqft (0.59 acres)
Lot Dimensions	109 ft deep x 112 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	548 sqft
Patio Area	240 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	2984015
Old Parcel Number	1219S20E1B0001200
Street Address	10321 E JOY LN
City	INVERNESS
State	FL
Zip	34450-8221
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	CLRMH COASTAL LAKES & RVR
Legal Description	LOTS 120 & 121 OF AN UNREC SUB: COM AT THE INTERSECTION OF THE W LN OF THE E1/3 OF SE1/4 OF NW1/4 OF SEC 12-19-20 WITH THE S
Legal Range	20E
Legal Township	19S
Legal Section	12
Legal Subdivision	ROBERT SCOTT UNRECORDED SUB
Legal Lot Number	120-124 121
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1004
Census Tract	450901

Owner

10321 E Joy Ln, a mobile home, is owned and occupied by an individual who bought it in March 2019.

Source: Citrus County records, as of December 10, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10321 E JOY LN, INVERNESS, FL 34450-8221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Prior Sale	Feb 12, 2013 · Amount on File
Deed Document Number	2019010832
Deed Book / Page	2960 / 0120
Record Updated	Jun 8, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 5, 2019
Property Address	10321 E JOY LN, INVERNESS, FL 34450-8221
Document Number	0029600120
Book / Page	002960 / 000120
Instrument Date	Feb 21, 2019
Instrument	10832
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$413.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10321 E JOY LN INVERNESS FL 344508221, INVERNESS, FL 34450-8221

Tax Assessment & Valuation

The 2025 property tax bill for 10321 E Joy Ln was $570 with exemptions applied, up 10.5% from the year before.

Source: Citrus County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Citrus County
Unified School District	Citrus County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$570.00 (+10.47%) Homeowner's exemption Additional exemption filed	$84,375 (+6.07%) Land $6,360 Building $78,015	$84,375 (+6.07%) Land $6,360 Building $78,015
2024	$516.00 (+0.78%) Homeowner's exemption Additional exemption filed	$79,544 (+15.79%) Land $6,360 Building $73,184	$79,544 (+15.79%) Land $6,360 Building $73,184
2023	$512.00 (+6.44%) Homeowner's exemption Additional exemption filed	$68,697 (+10.28%) Land $6,360 Building $62,337	$68,697 (+10.28%) Land $6,360 Building $62,337
2022	$481.00 Homeowner's exemption Additional exemption filed	$62,295 Land $6,360 Building $55,935	$62,295 Land $6,360 Building $55,935

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10321 E Joy Ln in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 154 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	154 in force
Nearby Flood Claims	40 (1982–2024)
Claims Outside the SFHA	2 of 40
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 5 claims Hurricane Frances, Oct 2004 · 17 claims Severe Storms, High Winds, Tornadoes, And Flooding, Jan 1998 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10321 E Joy Ln is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 69% of the US · above 50% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20