Genesee County property record for 10220 Duffield Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,576 sqft · built 2004 |
| Lot Size | 0.712 acres (31,015 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,945 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-31-526-004 |
| Primary APN | 10-31-526-004 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,576 sqft Living Area |
| 1st Floor Area | 1,576 sqft |
| Basement Area | 1,576 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Lot Area | 31,015 sqft (0.712 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 10220 DUFFIELD RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM |
| Legal Description | LOT 4 COUNTRY MEADOWS (98) FR 10-31-200-026 |
| Legal Subdivision | COUNTRY MEADOWS |
| Legal Lot Number | 4 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 12801 |
10220 Duffield Rd is owned and occupied by an individual who acquired it in January 2020.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10220 DUFFIELD RD, GAINES, MI 48436-9613 |
| 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.
| Date | Document |
|---|---|
| Nov 29, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 3, 2020 | Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2020 |
| Deed Sale | Jan 3, 2020 |
| Prior Sale | Jul 26, 2005 · Amount on File |
| Deed Document Number | 2020259 |
| Prior Transfer Date | Dec 19, 2019 |
| Prior Transfer Doc | 0000000259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10220 DUFFIELD RD, GAINES, MI 48436-9613 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 10220 DUFFIELD RD, GAINES, MI 48436-9613 |
| Document Number | 0000073915 |
|---|---|
| Date | Nov 29, 2022 |
| Instrument | 202211290073915 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 7, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jan 3, 2020 |
| Property Address | 10220 DUFFIELD RD, GAINES, MI 48436-9613 |
| Document Number | 0000000259 |
| Instrument Date | Dec 19, 2019 |
| Instrument | 259 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10220 DUFFIELD RD GAINES MI 484369613, GAINES, MI 48436-9613 |
| Document Number | 258 |
|---|---|
| Date | Jan 3, 2020 |
| Instrument | 258 |
| Name | MORTGAGE 1 AT SUBURBAN |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 2, 2050 |
The 2025 property tax bill for 10220 Duffield Rd was $2,945 with a homeowner's exemption, down 1.7% 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 | $140,200 (+7.52%) Land $12,500 Building $127,700 | $280,400 (+7.52%) Land $25,000 Building $255,400 | |
| 2025 | $2,945.00 (-1.74%) Homeowner's exemption | $130,400 | $260,800 |
| 2024 | $2,997.00 | ||
| 2023 | $122,700 | $245,400 | |
| 2019 | $2,113.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10220 Duffield Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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 risk around 10220 Duffield 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 98% of the US · lower than 95% 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 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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