Volusia County property record for 396 Muddy Creek Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,209 sqft · built 1993 |
| Lot Size | 0.45 acres (19,588 sqft) |
| Owner | Individual Name on File |
| Last Sale | $585,000 (Apr 2025) |
| Tax Bill | $4,406 (2025) |
| Deeds & Mortgages | Apr 2019 Line of Credit Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4124-05-00-3960 |
| Primary APN | 4124-05-00-3960 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,209 sqft Living Area |
| Gross Area | 3,952 sqft |
| 1st Floor Area | 1,756 sqft |
| Upper Floors Area | 1,245 sqft |
| Basement Area | 436 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 19,588 sqft (0.45 acres) |
| Garage Type | Attached |
| Garage Area | 743 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 289 sqft |
| Deck Area | Deck Area |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 4983236 |
|---|---|
| Street Address | 396 MUDDY CREEK LN |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-4895 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 13PUD |
| Legal Description | LOT 396 TYMBER CREEK PHASE III MB 42 PGS 3-4 INC PER OR 3772 PG 1603 PER OR 7382 PG 0644 PER OR 7481 PGS 1631-1632 PER OR 7756 PG 0304 PER OR 8686 PG 1004 |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 24 |
| Legal Subdivision | TYMBER CREEK PHASE III MB |
| Legal Phase | 3 |
| Legal Tract | 05 |
| Legal Lot Number | 396 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 83203 |
Source: Volusia County assessment roll, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 396 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Apr 24, 2019 | Deed of Trust, Mortgage · Line of Credit INTRACOASTAL BANK |
| Oct 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 8, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage SEACOAST NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 7, 2025 · Amount on Record |
| Deed Sale | Apr 7, 2025 · Amount on Record |
| Prior Sale | Oct 4, 2019 · Amount on Record |
| Deed Document Number | 202563230 |
| Deed Book / Page | 8686 / 1004 |
| Prior Transfer Date | Nov 21, 2017 |
| Prior Transfer Doc | 0074811631 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 396 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0076852255 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 7685/2255 |
| Instrument | 2019-080414 |
| Name | INTRACOASTAL BANK |
|---|---|
| Type | Bank |
| Address | DAYTONA BEACH, FL 32117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Oct 4, 2019 |
| Property Address | 396 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0077560304 |
| Book / Page | 7756 / 0304 |
| Map Reference | MB 42 PG 3 |
| Instrument Date | Oct 2, 2019 |
| Instrument | 2019-195656 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,436.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 396 MUDDY CREEK LN, 396, ORMOND BEACH, FL 32174-4895 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 396 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0077560306 |
|---|---|
| Date | Oct 4, 2019 |
| Instrument | 7756/0306 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Dec 8, 2017 |
| Property Address | 396 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0074811631 |
| Book / Page | 7481 / 1631 |
| Map Reference | MB42 PG3&4 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 2017-237253 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 396 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 2017237254 |
|---|---|
| Date | Dec 8, 2017 |
| Instrument | 2017-237254 |
| Name | SEACOAST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
Source: Volusia County assessment roll, as of March 16, 2026
| 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 |
|---|---|---|---|
| 2026 | $496,745 (+59.37%) Land $62,000 Building $434,745 | $496,745 (+4.31%) Land $62,000 Building $434,745 | |
| 2025 | $4,406.00 (+6.14%) Homeowner's exemption | $311,692 (+5.31%) | $476,201 (+6.13%) Land $62,000 Building $414,201 |
| 2023 | $4,151.00 (+3.1%) Homeowner's exemption | $295,962 (+3%) | $448,684 (+11.1%) Land $62,000 Building $386,684 |
| 2022 | $4,026.00 Homeowner's exemption | $287,342 | $403,864 Land $51,000 Building $352,864 |
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.
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 | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% 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 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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