Genesee County property record for 10164 Nichols Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,120 sqft · built 1985 |
| Lot Size | 1.25 acres (54,450 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,000 (Nov 2016) |
| Tax Bill | $2,744 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-32-200-005 |
| Primary APN | 10-32-200-005 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Lot Area | 54,450 sqft (1.25 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 10164 NICHOLS RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | A PARCEL OF LAND BEG 125 FT S OF NE COR OF S 2/3 OF E 1/2 OF NE 1/4 TH S 125 FT TH W 435 FT TH N 125 FT TH E 435 FT TO PL OF |
| Legal Range | 05E |
| Legal Township | 06N |
| Legal Section | 32 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 12801 |
10164 Nichols Rd is owned and occupied by two individuals who bought it in November 2016.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10164 NICHOLS RD, GAINES, MI 48436-8907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2016 · Amount on File |
| Deed Sale | Nov 7, 2016 · Amount on File |
| Deed Document Number | 201675008 |
| Prior Transfer Date | Oct 7, 2016 |
| Prior Transfer Doc | 0000075008 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10164 NICHOLS RD, GAINES, MI 48436-8907 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000067305 |
|---|---|
| Date | Oct 1, 2020 |
| Instrument | 202010010067305 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 10164 Nichols Rd was $2,744 with a homeowner's exemption, up 2.8% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $100,600 (+8.06%) Land $18,200 Building $82,400 | $201,200 (+8.06%) Land $36,400 Building $164,800 | |
| 2025 | $2,744.00 (+2.77%) Homeowner's exemption | $93,100 | $186,200 |
| 2024 | $2,670.00 | ||
| 2023 | $86,700 | $173,400 | |
| 2019 | $1,977.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10164 Nichols Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 10164 Nichols Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 87% 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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