Genesee County property record for 10081 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,343 sqft · built 1930 |
| Lot Size | 2.47 acres (107,593 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,010 (2025) |
| Deeds & Mortgages | Jun 2020 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-04-200-002 |
| Primary APN | 01-04-200-002 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,343 sqft Living Area |
| 1st Floor Area | 1,386 sqft |
| Basement Area | 1,154 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Lot Area | 107,593 sqft (2.47 acres) |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 10081 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | A PARCEL OF LAND BEG W 297.62 FT & N 89 DEG 51 MIN W 746.7 FT FROM NE COR OF SEC TH N 89 DEG 51 MIN W 292.83 FT TH S 0 DEG 09 |
| Legal Range | 05E |
| Legal Township | 05N |
| Legal Section | 04 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | ARGENTINE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 13001 |
Source: Genesee County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 10081 RAY RD, GAINES, MI 48436-9756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Line of Credit WILDFIRE CU |
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10081 RAY RD, GAINES, MI 48436-9756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000042587 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 202006300042587 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 11, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10081 RAY RD, GAINES, MI 48436-9756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000042586 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 202006300042586 |
| Name | WILDFIRE CU |
|---|---|
| Type | Credit Union |
| Address | SAGINAW, MI 48605 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Genesee County assessment roll, as of October 3, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,010.00 (-59.21%) Homeowner's exemption | $195,200 (+44.17%) | $390,400 (+44.17%) |
| 2024 | $2,476.00 (+49.25%) | ||
| 2023 | $135,400 | $270,800 | |
| 2019 | $1,659.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 89% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
| Frontier DSL | 10 / 1 |
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