10144 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10144 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1972
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Sep 2010)
Tax Bill	$926 (2025)
Deeds & Mortgages	Dec 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`10-33-400-005`

Property Details

APN / Parcel Number

Primary APN	`10-33-400-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,176 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Lot Area	43,560 sqft (1 acres)
Garage Area	1,836 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10144 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 23 SEC W 1324.36 FT FROM SE COR OF SEC TH N 88 DEG 34 MIN 23 SEC W 150 FT TH N 0 DEG 12
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, APN 10-33-400-005, as of October 3, 2025 · Last verified June 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 File
Mailing Address	10144 RAY RD, GAINES, MI 48436-9756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 15, 2010 · Amount on Record
Deed Sale	Sep 15, 2010 · Amount on Record
Prior Sale	May 26, 2004 · Amount on Record
Deed Document Number	201065845
Prior Transfer Date	Aug 29, 1996
Prior Transfer Doc	0000215089
Record Updated	Sep 20, 2026

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GENESEE MI
Property Address	10144 RAY RD, GAINES, MI 48436-9756
Document Number	0000002934
Instrument Date	Dec 01, 2019
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10144 RAY RD GAINES MI 484369756, GAINES, MI 48436-9756

Mortgage

Document Number	0000002934
Date	Jan 15, 2020
Instrument	2934

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 14, 2048

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: Genesee County assessment roll as of October 3, 2025 · Last verified June 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$926.00 (-67.39%) Homeowner's exemption	$115,500 (+6.65%)	$231,000 (+6.65%)
2024	$2,840.00 (+35.17%)
2023		$108,300	$216,600
2019	$2,101.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Genesee County (26049C), as of February 19, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260490128012, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, 10 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	25 / 3

May also be available: AT&T, Verizon.

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