More to add to the guess list: Some carss used hidden restriction for heater input line to slow the flow thru core and a side effect was it was quieter. If recently noticed AND heater hoses were replaced it may have had one unseen and not replaced.
Air (doesn't take much) if in system can make a noisy slosh sound and still not overheat but should go away when properly full so check that.
Water caught up anywhere as Loren said is a possibility and know that use of A/C can make quite a bit of water - may take a turn or something to find it's way out or can even wet passenger's floor if drain is plugged,
T
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Tom Greenleaf - MetroWest, Boston