Volusia County property record for 404 Muddy Creek Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,433 sqft · built 1991 |
| Lot Size | 0.247 acres (10,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Nov 2015) |
| Tax Bill | $4,449 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jan 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4124-05-00-4040 |
| Primary APN | 4124-05-00-4040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,433 sqft Living Area |
| 1st Floor Area | 1,751 sqft |
| 2nd Floor Area | 682 sqft |
| Upper Floors Area | 682 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1995 |
| 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 | 724 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 409 sqft |
| Patio Area | 727 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Account Number | 4983431.0 |
|---|---|
| Old Parcel Number | 31142405004040 |
| Street Address | 404 MUDDY CREEK LN |
| City | ORMOND BEACH |
| State | FL |
| Zip | 32174-4878 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD |
| Legal Description | LOT 404 TYMBER CREEK PHASE III MB 42 PGS 3-4 PER OR 3713 PG 4424 PER OR 6414 PG 2906 PER OR 7099 PG 4711 PER OR 7113 PGS |
| Legal Range | 31E |
| Legal Township | 14S |
| Legal Section | 24 |
| Legal Subdivision | TYMBER CREEK PH 03 |
| Legal Phase | 3 |
| Legal Tract | 5 |
| Legal Lot Number | 404 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 404 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 3, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC |
| Jun 14, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2015 · Amount on Record |
| Deed Sale | Nov 5, 2015 · Amount on Record |
| Prior Sale | Mar 31, 2015 |
| Deed Document Number | 2015-206854 |
| Deed Book / Page | 7182 / 1268 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 404 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 404 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Document Number | 0081554846 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 8155/4846 |
| Instrument | 2021-275274 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 404 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0074911165 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 7491/1165 |
| Instrument | 2018-000929 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 404 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Document Number | 0077134210 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 404 MUDDY CREEK LN ORMOND BEACH FL 321744878, ORMOND BEACH, FL 32174-4878 |
| Document Number | 0077134210 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 007713/004210 |
| Instrument | 127749 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1996 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 27, 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 | $4,449.00 (+16.13%) Homeowner's exemption | $292,541 (+5.85%) | $451,057 (+2.65%) Land $62,000 Building $389,057 |
| 2023 | $3,831.00 (+3.15%) Homeowner's exemption | $276,367 (+3%) | $439,413 (+12%) Land $62,000 Building $377,413 |
| 2022 | $3,714.00 Homeowner's exemption | $268,317 | $392,316 Land $51,000 Building $341,316 |
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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