Genesee County property record for 10456 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,778 sqft · built 1968 |
| Lot Size | 3.36 acres (146,362 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,758 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-33-300-013 |
| Primary APN | 10-33-300-013 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,778 sqft Living Area |
| 1st Floor Area | 1,778 sqft |
| Basement Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Lot Area | 146,362 sqft (3.36 acres) |
| Garage Area | 1,496 sqft |
| Parking Spaces | 5 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 10456 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-1 |
| Legal Description | A PARCEL OF LAND BEG 551 FT E OF SW COR OF SEC TH E 222 FT TH N 2 DEG 15 MIN 30 SEC W 660 FT TH W 222 FT TH S 2 DEG 15 MIN 30 |
| 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 |
10456 Ray Rd is owned and occupied by two individuals who acquired it in May 2016.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10456 RAY RD, GAINES, MI 48436-9607 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 11, 2016 |
| Transfer Doc | 0000043285 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 10456 Ray Rd was $2,758 with a homeowner's exemption, up 2.8% 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 | $129,400 (+9.38%) Land $24,000 Building $105,400 | $258,800 (+9.38%) Land $48,000 Building $210,800 | |
| 2025 | $2,758.00 (+2.8%) Homeowner's exemption | $118,300 | $236,600 |
| 2024 | $2,683.00 | ||
| 2023 | $108,200 | $216,400 | |
| 2019 | $1,986.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10456 Ray 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 10456 Ray 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 96% of the US · lower than 91% 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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 25 / 3 |
May also be available: Frontier, Spectrum, Verizon.
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