10451 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10451 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,310 sqft · built 1955
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jul 2018)
Tax Bill	$825 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-04-100-003`

Property Details

APN / Parcel Number

Primary APN	`01-04-100-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,310 sqft Living Area
1st Floor Area	1,298 sqft
Basement Area	850 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Lot Area	42,689 sqft (0.98 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Street Address	10451 RAY RD
City	GAINES
State	MI
Zip	48436-9607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	E 7 RDS OF N 22.50 RDS OF W 1/2 OF W 1/2 OF NW FR 1/4. CONT. 0.98 AC SEC 4 T5N R5E. ALSO KNOWN AS: (COM NW COR SEC 4, TH E
Legal Range	05E
Legal Township	05N
Legal Section	04
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1004
Census Tract	13001

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	Individual Name on Record
Mailing Address	10451 RAY RD, GAINES, MI 48436-9607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2018 · Amount on Record
Deed Sale	Jul 24, 2018 · Amount on Record
Deed Document Number	201878310
Prior Transfer Date	Dec 3, 2015
Prior Transfer Doc	0000091317
Record Updated	Sep 20, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 24, 2018
Property Address	10451 RAY RD, GAINES, MI 48436-9607
Document Number	0000078310
Instrument Date	Jul 11, 2018
Instrument	78310
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14451 BOUCHNER DR LINDEN MI 484519709, LINDEN, MI 48451-9709

Mortgage

Document Number	77351
Date	Jul 24, 2018
Instrument	77351

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Argentine Township
Unified School District	Swartz Creek Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$825.00 (-69.4%) Homeowner's exemption	$99,400 (+15.45%)	$198,800 (+15.45%)
2024	$2,696.00 (+44.87%)
2023		$86,100	$172,200
2019	$1,861.00

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	2 in force

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	Not rated no burnable land within 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 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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