10432 Baldwin Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10432 Baldwin Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,976 sqft · built 1998
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$213,000 (Nov 2022)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-28-300-009`

Property Details

APN / Parcel Number

Primary APN	`10-28-300-009`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,976 sqft Living Area
1st Floor Area	1,976 sqft
Basement Area	1,976 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Lot Area	87,120 sqft (2 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	10432 BALDWIN RD
City	GAINES
State	MI
Zip	48436-9773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-1
Legal Description	A PARCEL OF LAND BEG S 88 DEG 59 MIN 50 SEC E 979.46 FT FROM SW COR OF SEC TH N 0 DEG 02 MIN 44 SEC W 500.16 FT TH S 88 DEG
Legal Range	05E
Legal Township	06N
Legal Section	28
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2014
Census Tract	12801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	10432 BALDWIN RD, GAINES, MI 48436-9773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 6, 2022	Warranty Deed, Transfer
Feb 6, 2020	Warranty Deed, Transfer · FHA Mortgage CASON HOME LOANS
Jan 30, 2020	Deed of Trust, Mortgage · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2022 · Amount on Record
Deed Sale	Nov 22, 2022 · Amount on Record
Prior Sale	Jun 6, 2022 · Amount on Record
Deed Document Number	202273069
Prior Transfer Date	Apr 13, 2011
Prior Transfer Doc	0000037299
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 22, 2022
Property Address	10432 BALDWIN RD, GAINES, MI 48436-9773
Document Number	0000073069
Instrument Date	Nov 10, 2022
Instrument	202211220073069
Transaction Type	Transfer
Record Updated	Dec 6, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,597.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6090 BLOSS CT, 6090, SWARTZ CREEK, MI 48473-8877

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10432 BALDWIN RD, GAINES, MI 48436-9773

Mortgage

Document Number	0000073070
Date	Nov 22, 2022
Instrument	202211220073070

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jun 6, 2022
Property Address	10432 BALDWIN RD, GAINES, MI 48436-9773
Document Number	0000043913
Instrument Date	May 20, 2022
Instrument	202206060043913
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Tax	$1,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10432 BALDWIN RD, 10432, GAINES, MI 48436-9773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6090 BLOSS CT, SWARTZ CREEK, MI 48473-8877

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Feb 6, 2020
Property Address	10432 BALDWIN RD, GAINES, MI 48436-9773
Document Number	0000007454
Instrument Date	Jan 30, 2020
Instrument	202002060007454
Transaction Type	Transfer
Record Updated	Oct 21, 2022
Title Company	MULTIPLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,118.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10432 BALDWIN RD, 10432, GAINES, MI 48436-9773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10432 BALDWIN RD, GAINES, MI 48436-9773

Mortgage

Document Number	0000007455
Date	Feb 6, 2020
Instrument	202002060007455

Lender

Name	CASON HOME LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10432 BALDWIN RD, GAINES, MI 48436-9773
Document Number	0000006152
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 POLK CT DAVISON MI 484238534, DAVISON, MI 48423-8534

Mortgage

Document Number	0000006152
Date	Jan 26, 2021
Instrument	6152

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

Tax Assessment & Valuation

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		$88,700 (+6.74%) Land $20,300 Building $68,400	$177,400 (+6.74%) Land $40,600 Building $136,800
2025	$2,954.00 (+2.78%) Homeowner's exemption	$83,100 (+9.06%)	$166,200 (+9.06%)
2024	$2,874.00 (+46.04%)
2023		$76,200	$152,400
2019	$1,968.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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.

Nearby Properties on Baldwin Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures