We consider the (3+1) dimensional expansion and cooling of the chirally-restored and deconfined matter at finite net-baryon densities as expected in heavy-ion collisions at moderate energies. In our approach, we consider chiral fields and the Polyakov loop as dynamical variables coupled to a medium represented by a quark-antiquark fluid. The interaction between the fields and the fluid leads to dissipation and noise, which in turn affect the field fluctuations. We demonstrate how inhomogeneities in the net-baryon density may form during an evolution through the spinodal region of the first-order phase transition. For comparison, the dynamics of transition through the crossover and critical end point is also considered.