Genesee County property record for 10197 Ray Rd, Gaines, MI 48436 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1966 |
| Square Footage | 1,184 sqft Living Area |
| Lot Size | 130,680 sqft (3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $176,000 (2017) |
| Tax Bill | $1,122.00 (2025) |
| Primary APN | 01-04-200-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,184 sqft Living Area |
| 1st Floor | 1,172 sqft 1st Floor |
| Basement Area | 1,172 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Lot Area | 130,680 sqft (3 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 650 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Street Address | 10197 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9756 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | A PARCEL OF LAND BEG W 297.62 FT & N 89 DEG 51 MIN W 1867.72 FT FROM NE COR OF SEC TH N 89 DEG 51 MIN W 300 FT TH S 0 DEG 09 |
| Legal Range | 05E |
| Legal Township | 05N |
| Legal Section | 04 |
| Jurisdiction | GENESEE MI |
| Minor Civil Division | ARGENTINE |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 13001 |
Source: Genesee County records · APN 01-04-200-001
Assessment roll updated 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 | 10197 RAY RD, GAINES, MI 48436-9756 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| May 01, 2019 | Deed of Trust, Mortgage · Line of Credit DORT FCU |
| Sep 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) CASON HM LNS |
| Sep 20, 2017 | Quit Claim Deed, Transfer CISLO TITLE, CISIO TITLE COMPANY |
| Aug 08, 2017 | Quit Claim Deed, Transfer CISLO TITLE, CISIO TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 20, 2017 · Amount on Record |
| Deed Sale | Sep 20, 2017 · Amount on Record |
| Prior Sale | May 01, 2008 · Amount on Record |
| Deed Doc Number | 201760987 |
| Prior Transfer Date | Aug 31, 2017 |
| Prior Transfer Doc | 0000060986 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10197 RAY RD, GAINES, MI 48436-9756 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10197 RAY RD, GAINES, MI 48436-9756 |
| Document Number | 202107160061875 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 202107160061875 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10197 RAY RD, GAINES, MI 48436-9756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TRANSNATION TITLE LAPEER |
| Name | Verified Name |
|---|
| Document Number | 0000022050 |
|---|---|
| Date | May 01, 2019 |
| Instrument | 201905010022050 |
| Name | DORT FCU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 20, 2017 |
| Property Address | 10197 RAY RD, GAINES, MI 48436-9756 |
| Document Number | 0000060987 |
| Instrument Date | Sep 12, 2017 |
| Instrument | 60987 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | CISLO TITLE, CISIO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,513.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1478 MARTHA AVE BURTON MI 485092139, BURTON, MI 48509-2139 |
| Document Number | 59888 |
|---|---|
| Date | Sep 20, 2017 |
| Instrument | 59888 |
| Name | CASON HM LNS |
|---|---|
| Type | Mortgage Company |
| Address | PALM BEACH GARDENS, FL 33418 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 19, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 20, 2017 |
| Property Address | 10197 RAY RD, GAINES, MI 48436-9756 |
| Document Number | 0000060986 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 60986 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2017 |
| Title Company | CISLO TITLE, CISIO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10197 RAY RD GAINES MI 484369756, GAINES, MI 48436-9756 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Aug 08, 2017 |
| Property Address | 10197 RAY RD, GAINES, MI 48436-9756 |
| Document Number | 0000053513 |
| Instrument Date | Aug 08, 2017 |
| Instrument | 53513 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2017 |
| Title Company | CISLO TITLE, CISIO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10197 RAY RD GAINES MI 484369756, GAINES, MI 48436-9756 |
Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
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 | $1,122.00 (-68.17%) Homeowner's exemption | $127,600 (+14.95%) | $255,200 (+14.95%) |
| 2024 | $3,525.00 (+39.27%) | ||
| 2023 | $111,000 | $222,000 | |
| 2019 | $2,531.00 |
Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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