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

Volusia County property record for 403 Muddy Creek Ln, Ormond Beach, FL 32174

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,969 sqft · built 1995
Lot Size	0.278 acres (12,089 sqft)
Owner	Trust Name on Record
Last Sale	$174,500 (Jun 1996)
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4124-05-00-4030`

Property Details

APN / Parcel Number

Primary APN	`4124-05-00-4030`
Alternative APNs	`31142405004030` `24143105004030` `4983422.0` `4983422`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,969 sqft Living Area
Gross Area	3,475 sqft
1st Floor Area	2,421 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1999
Exterior Material	Brick
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,089 sqft (0.278 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	631 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	4983422
Street Address	403 MUDDY CREEK LN
City	ORMOND BEACH
State	FL
Zip	32174-4878
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	13PUD
Legal Description	LOT 403 TYMBER CREEK PHASE III MB 42 PGS 3-4 INC PER OR 4115 PG 2570 PER OR 7069 PGS 1374-1375 PER OR 8282 PG 2323
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	403
Jurisdiction	VOLUSIA FL
Township / Civil Division	CENTRAL VOLUSIA
Census Block Group	2
Census Block	2022
Census Tract	83203

Owner

Source: Volusia County records, as of July 29, 2026

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

Owner of Record	Trust Name on Record
Mailing Address	403 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 1996 · Amount on Record
Deed Sale	Jun 20, 1996 · Amount on Record
Deed Book / Page	4115 / 2570
Last Transfer Date	Dec 29, 2014
Transfer Doc	0070691374
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	VOLUSIA FL
Recording Date	Jul 7, 2026
Property Address	403 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878
Document Number	0000120934
Book / Page	8874 / 4903
Instrument Date	Jun 8, 2026
Instrument	2026120934
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878

Mortgage

Document Number	0000120934,
Date	Jul 7, 2026
Book Page	8874/4903
Instrument	2026120934

Lender

Name	GRIFFIN FSB

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Balloon
Rate	4.87%
Initial Type	Balloon
Max Rate	-1%

Tax Assessment & Valuation

Source: Volusia County assessment roll, as of March 16, 2026

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,742 (+2.7%)	$467,711 (+1.18%) Land $62,000 Building $405,711
2025	$3,332.00 (+7.14%) Homeowner's exemption	$246,098 (+5.99%)	$462,265 (-1.98%) Land $62,000 Building $400,265
2023	$3,110.00 (+3.29%) Homeowner's exemption	$232,198 (+3%)	$471,608 (+14.33%) Land $62,000 Building $409,608
2022	$3,011.00 Homeowner's exemption	$225,435	$412,514 Land $51,000 Building $361,514

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

Flood

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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Frances, Sep 2004 · 9 claims Tropical Storm Gordon Tornadoes Flooding Rainfall, Nov 1994 · 4 claims

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

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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