Volusia County property record for 388 Muddy Creek Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,217 sqft · built 1992 |
| Lot Size | 0.247 acres (10,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,900 (Oct 2019) |
| Tax Bill | $5,175 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4124-05-00-3880 |
| Primary APN | 4124-05-00-3880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,217 sqft Living Area |
| 1st Floor Area | 1,656 sqft |
| 2nd Floor Area | 1,561 sqft |
| Upper Floors Area | 1,561 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Construction Type | Wood Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,800 sqft (0.247 acres) |
| Lot Dimensions | 120 ft deep x 90 ft wide |
| Garage Area | 677 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 354 sqft |
| Patio Area | 256 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 4983155.0 |
|---|---|
| Old Parcel Number | 31142405003880 |
| Street Address | 388 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 388 TYMBER CREEK PHASE III MB 42 PGS 3-4 INC PER OR 3764 PG 4236 PER OR 7189 PGS 1531-1532 PER OR 7767 PG 3267 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 24 |
| Legal Subdivision | TYMBER CREEK PH 03 |
| Legal Phase | 3 |
| Legal Tract | 5 |
| Legal Lot Number | 388 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 83203 |
Source: Volusia County records, as of December 19, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 388 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 7, 2020 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Oct 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2019 · Amount on Record |
| Deed Sale | Oct 31, 2019 · Amount on Record |
| Prior Sale | Nov 25, 2015 · Amount on Record |
| Deed Document Number | 2019-214062 |
| Deed Book / Page | 7767 / 3267 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 388 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0078804372 |
| Instrument Date | Jul 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 388 MUDDY CREEK LN ORMOND BEACH FL 321744895, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0078804372 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | 007880/004372 |
| Instrument | 130748 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 16, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Oct 31, 2019 |
| Property Address | 388 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0077673267 |
| Book / Page | 7767 / 3267 |
| Map Reference | MB 42 PG 3&4 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 2019-214062 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | LEADING EDGE TTL OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,449.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1027 TARPON DRIVE, 1027, SAINT PETERSBURG, FL 33706 |
| Name | Verified Name |
|---|---|
| Address | 388 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 2019214063 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 2019-214063 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Volusia County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Ormond Beach City |
| Unified School District | Volusia County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,175.00 (+17.05%) Homeowner's exemption | $333,441 (+6.7%) | $477,087 (-1.07%) Land $62,000 Building $415,087 |
| 2023 | $4,421.00 (+3.08%) Homeowner's exemption | $312,512 (+3%) | $482,231 (+11.68%) Land $62,000 Building $420,231 |
| 2022 | $4,289.00 Homeowner's exemption | $303,410 | $431,795 Land $51,000 Building $380,795 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · 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 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ORMOND BEACH serves 59,744 people · EPA ID FL3640963 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 290 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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