384 Muddy Creek Ln, Ormond Beach, FL 32174 Property Records

Volusia County property record for 384 Muddy Creek Ln, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,898 sqft · built 1990
Owner	2 Owner Names on File
Last Sale	$126,000 (Feb 2012)
Tax Bill	$3,333 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4124-05-00-3840`

Property Details

APN / Parcel Number

Primary APN	`4124-05-00-3840`
Alternative APNs	`31142405003840` `4983112.0` `4983112`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,898 sqft Living Area
1st Floor Area	1,485 sqft
2nd Floor Area	1,413 sqft
Upper Floors Area	1,413 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Wood
Construction Type	Wood Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Garage Area	678 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	1 sqft
Porch	Open Porch
Porch Area	352 sqft
Patio Area	1,062 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	4983112.0
Old Parcel Number	31142405003840
Street Address	384 MUDDY CREEK LN
City	ORMOND BEACH
State	FL
Zip	32174-4895
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 384 TYMBER CREEK PHASE III MB 42 PGS 3-4 INC PER OR 3461 PG 1137 PER OR 6598 PG 1306 PER OR 6681 PG 1898
Legal Range	31E
Legal Township	14S
Legal Section	24
Legal Subdivision	TYMBER CREEK PH 03
Legal Phase	3
Legal Tract	5
Legal Lot Number	384
Jurisdiction	VOLUSIA FL
Township / Civil Division	CENTRAL VOLUSIA
Census Block Group	2
Census Block	2022
Census Tract	83203

Owner

Source: Volusia County records · APN 4124-05-00-3840

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	2 Owner Names on File
Mailing Address	384 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 17, 2012 · Amount on Record
Deed Sale	Feb 17, 2012 · Amount on Record
Prior Sale	Jun 02, 2011
Deed Document Number	2012-028636
Deed Book / Page	6681 / 1898
Record Updated	Jun 08, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Property Address	384 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895
Transaction Type	Mortgage
Record Updated	Aug 02, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895

Mortgage

Document Number	0080792466
Date	Jul 08, 2021
Book Page	8079/2466
Instrument	2021-159585

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 01, 2041

Tax Assessment & Valuation

Source: Volusia County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Volusia County
Municipality	Ormond Beach City
Unified School District	Volusia County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,333.00 (+16.66%) Homeowner's exemption	$229,702 (+5.99%)	$351,380 (-4.77%) Land $62,000 Building $289,380
2023	$2,857.00 (+3.33%) Homeowner's exemption	$216,728 (+3%)	$368,988 (+12.29%) Land $62,000 Building $306,988
2022	$2,765.00 Homeowner's exemption	$210,416	$328,610 Land $51,000 Building $277,610

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 2, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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 Record median of 125 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	125 in force
Nearby Flood Claims	43 (1994–2024)
Claims Outside the SFHA	13 of 43
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Frances, Sep 2004 · 9 claims Tropical Storm Gordon Tornadoes Flooding Rainfall, Nov 1994 · 4 claims

Wildfire

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 290 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ORMOND BEACH serves 59,744 people
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	4 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.