10509 E Joy Ln, Inverness, FL 34450 Property Records

Citrus County property record for 10509 E Joy Ln, Inverness, FL 34450

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 512 sqft · built 1970
Lot Size	0.225 acres (9,793 sqft)
Owner	2 Individual Names on Record
Last Sale	$29,900 (Jul 2018)
Tax Bill	$926 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage Jun 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`1219S20E02000230`

Property Details

APN / Parcel Number

Primary APN	`1219S20E02000230`
Alternative APNs	`20E-19S-12-0200-00000-0230` `20E-19S-12-0200-023.0` `1748526`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	512 sqft Living Area
Gross Area	632 sqft
1st Floor Area	512 sqft
Flooring	Wood

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1975
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	9,793 sqft (0.225 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Porch	Patio
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1748526
Street Address	10509 E JOY LN
City	INVERNESS
State	FL
Zip	34450-2939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CLRMH
Legal Description	EDEN GARDENS PB 3 PG 46 LOT 23
Legal Range	20E
Legal Township	19S
Legal Section	12
Legal Subdivision	EDEN GARDENS
Legal Lot Number	23
Jurisdiction	CITRUS FL
Township / Civil Division	INVERNESS
Census Block Group	1
Census Block	1004
Census Tract	450901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10509 E JOY LN, INVERNESS, FL 34450-2939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2018	Warranty Deed, Transfer · Conventional with PMI PAUL A ZAMBRANO
Jun 5, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	201835453
Deed Book / Page	2913 / 1333
Prior Transfer Date	Apr 10, 2006
Prior Transfer Doc	0000018000
Record Updated	Sep 20, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jul 13, 2018
Property Address	10509 E JOY LN, INVERNESS, FL 34450-2939
Document Number	0029131333
Book / Page	002913 / 001333
Instrument Date	Jul 10, 2018
Instrument	35453
Transaction Type	Transfer
Record Updated	Aug 2, 2018
Title Company	HOME/LAND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10509 E JOY LN INVERNESS FL 344502939, INVERNESS, FL 34450-2939

Mortgage

Document Number	29131334
Date	Jul 13, 2018
Book Page	002913/001334
Instrument	35454

Lender

Name	PAUL A ZAMBRANO
Address	2235 RACKLEY RD, BROOKSVILLE, FL 34604-7055
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jul 12, 2033

Interest

Rate	11.2%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CITRUS FL
Recording Date	Jun 5, 2018
Property Address	10509 E JOY LN, INVERNESS, FL 34450-2939
Document Number	0029050724
Book / Page	002905 / 000724
Instrument Date	May 31, 2018
Instrument	28403
Transaction Type	Transfer
Record Updated	Jun 25, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$129.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2235 RACKLEY RD BROOKSVILLE FL 346047055, BROOKSVILLE, FL 34604-7055

Tax Assessment & Valuation

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	$926.00 (+9.46%)	$64,758 (-0.67%) Land $10,000 Building $54,758	$64,758 (-0.67%) Land $10,000 Building $54,758
2024	$846.00 (+11.17%)	$65,195 (+20.44%) Land $5,000 Building $60,195	$65,195 (+20.44%) Land $5,000 Building $60,195
2023	$761.00 (+7.79%)	$54,129 (+3.39%) Land $5,000 Building $49,129	$54,129 (+3.39%) Land $5,000 Building $49,129
2022	$706.00	$52,352 Land $3,100 Building $49,252	$52,352 Land $3,100 Building $49,252

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 45 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

Cell Coverage

5G (outdoors only) and 4G LTE

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