6870 Joy Ct, Theodore, AL 36582 Property Records

Mobile County property record for 6870 Joy Ct, Theodore, AL 36582

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,463 sqft · built 1997
Lot Size	0.22 acres (9,612 sqft)
Owner	Individual Name on File
Last Sale	$115,500 (Jul 2016)
Tax Bill	$651 (2025)
Deeds & Mortgages	Jun 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`R023802043001006014`

Property Details

APN / Parcel Number

Primary APN	`R023802043001006014`
Alternative APNs	`38 02 04 3 001 006.014` `02120528` `2120528`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,463 sqft Living Area
1st Floor Area	1,463 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2003
Exterior Material	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	9,612 sqft (0.22 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	201 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	2120528
Street Address	6870 JOY CT
City	THEODORE
State	AL
Zip	36582-6278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 JOY COURT MBK 42 PG 59 #SEC 04 T6S R2W #MP38 02 04 3 001
Legal Range	06S
Legal Township	06S
Legal Section	04
Legal Subdivision	JOY COURT
Legal Lot Number	14
Jurisdiction	MOBILE AL
Township / Civil Division	THEODORE
Census Block Group	3
Census Block	3002
Census Tract	7101

Owner

6870 Joy Ct is owned and occupied by an individual who bought it in July 2016.

Source: Mobile County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	6870 JOY CT, THEODORE, AL 36582-6278
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	Jul 13, 2016 · Amount on File
Deed Sale	Jul 13, 2016 · Amount on File
Deed Document Number	201637618
Deed Book / Page	7400 / 1163
Record Updated	Sep 20, 2026

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MOBILE AL
Property Address	6870 JOY CT, THEODORE, AL 36582-6278
Document Number	0000047795
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Sep 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6870 JOY CT THEODORE AL 365826278, THEODORE, AL 36582-6278

Mortgage

Document Number	0000047795
Date	Aug 16, 2019
Instrument	47795

Lender

Name	RUSHMORE LN MGMT SVCS
Type	Funding / Finance Company
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2049

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 6870 Joy Ct was $651 with exemptions applied, up 6% from the year before.

Source: Mobile County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Alabama
County	Mobile County
Unified School District	Mobile County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$651.00 (+6.03%) Homeowner's exemption Senior Citizen's exemption	$14,130 (+11%) Land $2,400 Building $11,730	$141,300 (+11%) Land $24,000 Building $117,300
2024	$614.00 (+0.49%) Homeowner's exemption Senior Citizen's exemption	$12,730 (+0.39%) Land $2,200 Building $10,530	$127,300 (+0.39%) Land $22,000 Building $105,300
2023	$611.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$12,680 Land $2,000 Building $10,680	$126,800 Land $20,000 Building $106,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 6870 Joy Ct in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective October 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1984–2005)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 2005 · Hurricane Katrina

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 6870 Joy Ct is moderate, ranking above 45% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · above 50% of Alabama
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MOBILE COUNTY WATER & FIRE PRO AUTHORITY serves 39,573 people · EPA ID AL0001002
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	29 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20