Volusia County property record for 398 Muddy Creek Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,869 sqft · built 1992 |
| Owner | Individual Name on File |
| Last Sale | $253,000 (Oct 2017) |
| Tax Bill | $3,780 (2024) |
| Deeds & Mortgages | Aug 2022 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 4124-05-00-3980 |
| Primary APN | 4124-05-00-3980 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,869 sqft |
| 1st Floor Area | 1,869 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Wood Frame |
| Garage Type | Attached |
| Garage Area | 737 sqft |
| Porch | Porch |
| Porch Area | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | 31142405003980 |
|---|---|
| Street Address | 398 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 | CITY/MUNI/TWP:ORMOND BEACH |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 24 |
| Legal Subdivision | TYMBER CREEK PH 03 |
| Legal Tract | 5 |
| Legal Lot Number | 398 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 83203 |
Source: Volusia County records · APN 4124-05-00-3980
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 | Individual Name on File |
|---|---|
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 08, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 05, 2017 · Amount on Record |
| Deed Sale | Oct 05, 2017 · Amount on Record |
| Prior Sale | Jun 22, 1999 |
| Deed Document Number | 2017-192471 |
| Deed Book / Page | 7455 / 2591 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 398 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 398 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0082942477 |
|---|---|
| Date | Aug 08, 2022 |
| Book Page | 8294/2477 |
| Instrument | 2022184276 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 398 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2022 |
| Title Company | REALTY PRO TITLE |
| Name | Verified Name |
|---|---|
| Address | 398 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Document Number | 0080141727 |
|---|---|
| Date | Mar 26, 2021 |
| Book Page | 8014/1727 |
| Instrument | 2021-067516 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 01, 2050 |
Source: Volusia County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Volusia County |
| Municipality | Ormond Beach City |
| Unified School District | Volusia County School District (PK - 12) |
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 |
|---|---|---|---|
| 2024 | $3,780.00 (+2.72%) | ||
| 2023 | $3,680.00 (+3.2%) | ||
| 2022 | $3,566.00 | $259,308 | $369,966 Land $51,000 Building $318,966 |
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
| 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 |
|
| 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.
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.
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 |
| 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.
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