10282 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10282 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,968 sqft · built 1900
Lot Size	5 acres (217,800 sqft)
Owner	Company Name on Record
Last Sale	$135,000 (Aug 2014)
Tax Bill	$842 (2025)
Deeds & Mortgages	Mar 2023 Transfer Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-33-300-018`

Property Details

APN / Parcel Number

Primary APN	`10-33-300-018`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,968 sqft Living Area
1st Floor Area	1,312 sqft
Basement Area	1,024 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	217,800 sqft (5 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10282 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 40 FT FROM S 1/4 COR OF SEC TH N 88 DEG 34 MIN 23 SEC W 330 FT TH N 1 DEG 25
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 records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	10282 RAY RD, GAINES, MI 48436-9756
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Intrafamily Transfer, Transfer
Aug 8, 2018	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2014 · Amount on Record
Deed Sale	Aug 5, 2014 · Amount on Record
Prior Sale	Mar 7, 2001 · Amount on Record
Deed Document Number	201458750
Last Transfer Date	Jan 30, 2023
Transfer Doc	0000011414
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Mar 14, 2023
Property Address	10282 RAY RD, GAINES, MI 48436-9756
Document Number	0000011414
Instrument Date	Jan 30, 2023
Instrument	202303140011414
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10282 RAY RD, GAINES, MI 48436-9756

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10282 RAY RD, GAINES, MI 48436-9756
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201808080080705
Date	Aug 8, 2018
Instrument	201808080080705

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 18, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 3, 2025

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
2025	$842.00 (-67.76%) Homeowner's exemption	$119,000 (+11.11%)	$238,000 (+11.11%)
2024	$2,612.00 (+36.83%)
2023		$107,100	$214,200
2019	$1,909.00

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 85% 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 10 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Verizon.

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