10120 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10120 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,016 sqft · built 1996
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on File
Last Sale	$459,900 (Nov 2024)
Tax Bill	$2,194 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`10-33-400-010`

Property Details

APN / Parcel Number

Primary APN	`10-33-400-010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,016 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	435,600 sqft (10 acres)
Garage Area	1,792 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10120 RAY RD
City	GAINES
State	MI
Zip	48436-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-1
Legal Description	A PARCEL OF LAND BEG N 88 DEG 34 MIN 20 SEC W 993.27 FT FROM SE COR OF SEC TH CONT W 331.09 FT TH N 0 DEG 06 MIN 01 SEC E
Legal Range	05E
Legal Township	06N
Legal Section	33
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2011
Census Tract	12801

Owner

Source: Genesee County assessment roll, as of October 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	45009 BRONZE STAR RD, LAKE ELSINORE, CA 92532-1508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Oct 9, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage PFCU
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
Apr 3, 2018	Deed of Trust, Mortgage · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Nov 29, 2018	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Oct 20, 2020	Deed of Trust, Mortgage · FHA Mortgage RUTH RUHL PC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 13, 2024 · Amount on Record
Deed Sale	Nov 13, 2024 · Amount on Record
Prior Sale	Jan 14, 2015 · Amount on Record
Deed Document Number	202457530
Prior Transfer Date	Aug 18, 2012
Prior Transfer Doc	0000069202
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Recording Date	Apr 8, 2026
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Document Number	0000012695
Instrument Date	Mar 31, 2026
Instrument	202612695
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10120 RAY RD, GAINES, MI 48436-9756

Mortgage

Document Number	0000012695,
Date	Apr 8, 2026
Instrument	202612695

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2066

Interest

Rate	6%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	Oct 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053437
Date	Oct 9, 2023
Instrument	202310090053437

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 31, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10120 RAY RD, GAINES, MI 48436-9756

Mortgage

Document Number	0000056361
Date	Aug 12, 2022
Instrument	202208120056361

Lender

Name	PFCU
Type	Credit Union
Address	PORTLAND, MI 48875

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 4, 2037

Interest

Rate Type	Adjustable Rate
Rate	9%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	7%
Max Rate At Change	11%
Index	5-Year CMT
Max Rate	14%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103230019408
Date	Mar 23, 2021
Instrument	202103230019408

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018361
Date	Apr 3, 2018
Instrument	201804030018361

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Type	Mortgage Company
Address	ANN ARBOR, MI 48108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000099766
Date	Nov 29, 2018
Instrument	201811290099766

Lender

Name	JFQ LENDING INC
Type	Non-Lending Institution
Address	SCOTTSDALE, AZ 85260

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Dec 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10120 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071546
Date	Oct 20, 2020
Instrument	202010200071546

Lender

Name	RUTH RUHL PC
Type	Non-Lending Institution
Address	DALLAS, TX 75251

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	326 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 3, 2025

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Gaines Township
Unified School District	Swartz Creek Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,194.00 (-47%) Homeowner's exemption	$191,700 (+12.83%)	$383,400 (+12.83%)
2024	$4,140.00 (+31.89%)
2023		$169,900	$339,800
2019	$3,139.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	1 in force
Nearby Flood Claims	2 (2014–2017)
Most Recent Claim	Apr 2017 · river or lake flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, T-Mobile USA.

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