ya, that muffler needs swapped. My 127 had the correct muffler but the baffle was gone inside. I got a replacement from Patton Acres and I would say it's no louder than a leaf blower or other typical GT.... I'm in a subdivision too, but all my neighbors are old and deaf! 
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Gary
'49 Farmall Cub, '62 "Original, '70 73 w/402-D Haban sickle, '71 127 w/38" cast end deck, '73 149, '76 Sof76, '07 LT1045 w/bagger, '09 GT2544 w/bunch of mods.
5 Exmarks, Kubota B2920, blah, blah, blah...
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