"Mud" is a vague term. Technically speaking, wet sand is "mud". But I understand that's not what you mean.
In calm water, sand falls out of suspension in seconds, silts in minutes and clays in days.
But in a tank with decent filtration, we aren't working with calm water. So it'll be constantly brought back into suspension.
I do have two tanks with 2-3" of soil (organic contaminated sandy silt) with 2" of sand (pool filter sand) on top of it. They're planted tanks. It's proven to be more of a pain than it's worth, in my opinion. If I ever do this again, I'll put egg crate on top of the soil before adding the sand.