I would also suggest Armageddon for its realism, and because, well, it's my own chosen escape-from-RL.
But, for 'modern' there are alot of cyberpunk muds out there and things like that, if you don't mind a little futuristic...
Bourbon and Blood: New Orleans at Night is a modern-age mud, set to Vampire the Masquerade and all that stuff. Decent mud, but I don't care for the 'rolling' system they use. Perhaps it's because I'm not a table-topper....
I *think* that Molly's 4 Dimensions has a modern time period.
There are a few more. The 'advanced search' function is a wonder for finding entries in the database without scrolling through things you don't care about.
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