Volusia County property record for 405 Muddy Creek Ln, Ormond Beach, FL 32174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,487 sqft · built 1991 |
| Lot Size | 0.248 acres (10,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $289,000 (Jun 2017) |
| Tax Bill | $3,717 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4124-05-00-4050 |
| Primary APN | 4124-05-00-4050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,487 sqft Living Area |
| Gross Area | 3,263 sqft |
| 1st Floor Area | 1,057 sqft |
| Upper Floors Area | 1,370 sqft |
| Flooring | Combination, Other |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,800 sqft (0.248 acres) |
| Lot Dimensions | 120 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 1 sqft |
|---|---|
| Porch | Florida Room |
| Porch Area | 353 sqft |
| Patio Area | 678 sqft |
| Shed | 1 Shed |
| Shed Area | 170 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 4983449 |
|---|---|
| Street Address | 405 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 405 TYMBER CREEK PHASE III MB 42 PGS 3-4 INC PER OR 3703 PG 0576 PER OR 7169 PG 2582 PER OR 7188 PGS 2189-2190 PER OR 7414 PG 4982 PER OR 8036 PG 2304 |
| 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 | 405 |
| Jurisdiction | VOLUSIA FL |
| Township / Civil Division | CENTRAL VOLUSIA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 83203 |
405 Muddy Creek Ln is owned and occupied by two individuals who bought it in June 2017.
Source: Volusia County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Apr 27, 2021 | Intrafamily Transfer, Transfer |
| Jun 23, 2017 | Warranty Deed, Transfer · Conventional with PMI BRIAN & JAMES M MILLIGAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2017 · Amount on File |
| Deed Sale | Jun 23, 2017 · Amount on File |
| Prior Sale | Nov 23, 2015 · Amount on File |
| Deed Document Number | 2017124612 |
| Deed Book / Page | 7414 / 4982 |
| Prior Transfer Date | Sep 29, 2015 |
| Prior Transfer Doc | 0071692582 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Property Address | 405 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 405 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Document Number | 0080223959 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 8022/3959 |
| Instrument | 2021-078896 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Apr 27, 2021 |
| Property Address | 405 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Document Number | 0080362304 |
| Book / Page | 8036 / 2304 |
| Map Reference | MB 42 PG 3&4 |
| Instrument Date | Apr 7, 2021 |
| Instrument | 2021-096046 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | VOLUSIA FL |
| Recording Date | Jun 23, 2017 |
| Property Address | 405 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4878 |
| Document Number | 0074144982 |
| Book / Page | 007414 / 004982 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 124612 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2017 |
| Title Company | WATERSIDE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,023.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 MUDDY CREEK LN ORMOND BEACH FL 321744878, ORMOND BEACH, FL 32174-4878 |
| Document Number | 74144984 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 007414/004984 |
| Instrument | 124613 |
| Name | BRIAN & JAMES M MILLIGAN |
|---|---|
| Address | 384 MUDDY CREEK LN, ORMOND BEACH, FL 32174-4895 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 22, 2022 |
| Rate | 5% |
|---|
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 | $276,912 (+2.7%) | $443,375 (+1.17%) Land $62,000 Building $381,375 | |
| 2025 | $3,717.00 (+13.7%) Homeowner's exemption | $269,632 (+11.46%) | $438,264 (+12.92%) Land $62,000 Building $376,264 |
| 2023 | $3,269.00 (+3.25%) Homeowner's exemption | $241,918 (+3%) | $388,105 (+10.84%) Land $62,000 Building $326,105 |
| 2022 | $3,166.00 Homeowner's exemption | $234,872 | $350,163 Land $51,000 Building $299,163 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Muddy Creek Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 File 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.
Wildfire risk around 405 Muddy Creek Ln is low, with a 0.02% annual chance of 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures