10407 E Joy Ln, Inverness, FL 34450 Property Records

Citrus County property record for 10407 E Joy Ln, Inverness, FL 34450

Property Summary

Property Type	Mobile Home
Details	2 bd · 1.5 ba · 576 sqft · built 1975
Lot Size	0.112 acres (4,881 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Mar 2018)
Tax Bill	$1,294 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20E-19S-12-1B000-115.0`

Property Details

APN / Parcel Number

Primary APN	`20E-19S-12-1B000-115.0`
Alternative APNs	`20E-19S-12-0000-1B000-1150` `1219S20E1B0001150` `1744954`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	576 sqft Living Area
Gross Area	966 sqft
1st Floor Area	576 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Architectural Style	Mobile Home
Exterior Material	Metal
Construction Type	Wood
Roof Type	Sawtooth
Roof Material	Metal
Lot Area	4,881 sqft (0.112 acres)
Lot Dimensions	98 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	234 sqft
Carport	Carport
Carport Area	234 sqft
Porch	Slab
Porch Area	390 sqft
Utility Building	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	1744954
Street Address	10407 E JOY LN
City	INVERNESS
State	FL
Zip	34450-8221
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	CLRMH
Legal Description	ROBERT SCOTT SURVEY OF E1/3 OF SE1/4 OF NW1/4 LOT 115: COM AT INT OF W LN OF E 1/3 OF SE1/4 OF NW1/4 OF SEC 12-19-20 WITH S R/W OF GRACE ST ACC TO PLAT OF EDEN GDNS FIRST ADD PB 3 PG 87 TH S 0 DEG 2M 20S E AL W LN OF E1/3 OF SE1/4 OF NW1/4 796.77 FT
Legal Range	20E
Legal Township	19S
Legal Section	12
Legal Subdivision	ROBERT SCOTT UNRECORDED SUB
Legal Block	1B000
Legal Lot Number	115
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1004
Census Tract	450901

Owner

10407 E Joy Ln, a mobile home, is owned and occupied by an individual who bought it in March 2018.

Source: Citrus County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	10407 E JOY LN, INVERNESS, FL 34450-8221
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2018 · Amount on File
Deed Sale	Mar 12, 2018 · Amount on File
Prior Sale	Oct 4, 2012 · Amount on File
Deed Document Number	201811804
Deed Book / Page	2885 / 2122
Record Updated	Sep 20, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Mar 12, 2018
Property Address	10407 E JOY LN, INVERNESS, FL 34450-8221
Document Number	0028852122
Book / Page	002885 / 002122
Instrument Date	Mar 8, 2018
Instrument	11804
Transaction Type	Transfer
Record Updated	Apr 3, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10407 E JOY LN INVERNESS FL 344508221, INVERNESS, FL 34450-8221

Mortgage

Document Number	28852123
Date	Mar 12, 2018
Book Page	002885/002123
Instrument	11805

Lender

Name	PERRY L WILLIAMS
Address	6585 W CONSTITUTION LN, HOMOSASSA, FL 34448-1652

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 11, 2019

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 10407 E Joy Ln was $1,294 with a homeowner's exemption, up 2.9% from the year before.

Source: Citrus County assessment roll, as of December 3, 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	$1,294.00 (+2.86%) Homeowner's exemption	$24,180 (-47.44%)	$52,214 (+13.5%) Land $5,000 Building $47,214
2024	$1,258.00 Homeowner's exemption Additional exemption filed	$46,004 (+8.86%) Land $2,500 Building $43,504	$46,004 (+8.86%) Land $2,500 Building $43,504
2023	$1,258.00 Homeowner's exemption Additional exemption filed	$42,261 (+13.36%) Land $2,500 Building $39,761	$42,261 (+13.36%) Land $2,500 Building $39,761
2022	$1,258.00 Homeowner's exemption Additional exemption filed	$37,279 Land $1,550 Building $35,729	$37,279 Land $1,550 Building $35,729

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

Flood

FEMA maps place 10407 E Joy Ln in Zone X, an area of minimal flood risk, within 500 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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 10407 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