10167 Cook Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10167 Cook Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,676 sqft · built 1974
Lot Size	3.8 acres (165,528 sqft)
Owner	2 Individual Names on File
Last Sale	$189,900 (Jan 2023)
Tax Bill	$4,598 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jan 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`10-28-200-005`

Property Details

APN / Parcel Number

Primary APN	`10-28-200-005`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,676 sqft Living Area
1st Floor Area	892 sqft
Basement Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	165,528 sqft (3.8 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10167 COOK RD
City	GAINES
State	MI
Zip	48436-9741
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-1
Legal Description	E 125 FT OF W 1090.80 FT OF NW 1/4 OF NE 1/4 SEC 28 T6N R5E 3.80 A (78)
Legal Range	05E
Legal Township	06N
Legal Section	28
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2015
Census Tract	12801

Owner

10167 Cook Rd is owned and occupied by two individuals who bought it in January 2023.

Source: Genesee County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10167 COOK RD, GAINES, MI 48436-9741
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2025	Deed of Trust, Mortgage · Line of Credit FIRST INTERSTATE BANK
Jan 11, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jan 12, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Jan 12, 2023	Intrafamily Transfer, Transfer SARGENTS TITLE COMPANY
Jan 12, 2023	Intrafamily Transfer, Transfer SARGENTS TITLE COMPANY
Mar 22, 2018	Quit Claim Deed, Transfer SARGENTS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2023 · Amount on File
Deed Sale	Jan 12, 2023 · Amount on File
Prior Sale	Oct 11, 2016 · Amount on File
Deed Document Number	20231935
Prior Transfer Date	Aug 23, 2022
Prior Transfer Doc	0000001933
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10167 COOK RD, GAINES, MI 48436-9741
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10167 COOK RD, GAINES, MI 48436-9741

Mortgage

Document Number	0000006533
Date	Aug 15, 2025
Instrument	202508150006533

Lender

Name	FIRST INTERSTATE BANK
Type	Bank
Address	ROCHESTER, MI 48307

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10167 COOK RD, GAINES, MI 48436-9741
Transaction Type	Mortgage
Record Updated	Jan 18, 2023
Title Company	SELECT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4422 BRIDGEMAN TRL, SWARTZ CREEK, MI 48473-8805

Mortgage

Document Number	0000001818
Date	Jan 11, 2023
Instrument	202301110001818

Lender

Name	FIRST STATE BANK
Type	Bank
Address	CLINTON TOWNSHIP, MI 48038

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	Monthly
Min Rate At Change	4.99%
Max Rate At Change	5.99%
Index	1-Year LIBOR
Margin	3
Max Rate	9.99%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jan 12, 2023
Property Address	10167 COOK RD, GAINES, MI 48436-9741
Document Number	0000001935
Instrument Date	Dec 31, 2022
Instrument	202301120001935
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Tax Sale
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1964 COUNTY ROAD 3000 N, RANTOUL, IL 61866-9515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4422 BRIDGEMAN TRL, SWARTZ CREEK, MI 48473-8805

Mortgage

Document Number	0000001818
Date	Jan 12, 2023
Instrument	202301110001818

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 1, 2028
Change Frequency	Monthly
Min Rate At Change	4.99%
Max Rate At Change	5.99%
Index	SOFR Average 30-Day
Margin	3
Max Rate	9.99%

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Jan 12, 2023
Property Address	10167 COOK RD, GAINES, MI 48436-9741
Document Number	0000001934
Instrument Date	Dec 17, 2022
Instrument	202301120001934
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	SARGENTS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1141 RAMSGATE RD, FLINT, MI 48532-3135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1964 COUNTY ROAD 3000 N, RANTOUL, IL 61866-9515

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Jan 12, 2023
Property Address	10167 COOK RD, GAINES, MI 48436-9741
Document Number	0000001933
Instrument Date	Aug 23, 2022
Instrument	202301120001933
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	SARGENTS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10936 E LANSING RD, DURAND, MI 48429-1822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1964 COUNTY ROAD 3000 N, RANTOUL, IL 61866-9515

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Mar 22, 2018
Property Address	10167 COOK RD, GAINES, MI 48436-9741
Document Number	0000015142
Instrument Date	Mar 19, 2018
Instrument	15142
Transaction Type	Transfer
Record Updated	Mar 27, 2018
Title Company	SARGENTS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10167 COOK RD GAINES MI 484369741, GAINES, MI 48436-9741

Tax Assessment & Valuation

The 2025 property tax bill for 10167 Cook Rd was $4,598 with a homeowner's exemption, up 2.1% from the year before.

Source: Genesee County assessment roll, as of October 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,500 (+6.93%) Land $25,200 Building $115,300	$281,000 (+6.93%) Land $50,400 Building $230,600
2025	$4,598.00 (+2.09%) Homeowner's exemption	$131,400	$262,800
2024	$4,504.00
2023		$120,200	$240,400
2019	$2,456.00

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

Flood

FEMA maps place 10167 Cook 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

Wildfire risk around 10167 Cook 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 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 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: AT&T, Verizon.

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