10470 Baldwin Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10470 Baldwin Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,908 sqft · built 1900
Lot Size	5.28 acres (229,997 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Sep 2026)
Tax Bill	$2,042 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-28-300-012`

Property Details

APN / Parcel Number

Primary APN	`10-28-300-012`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,908 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	848 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	229,997 sqft (5.28 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10470 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 346 FT FROM SW COR OF SEC TH N 502.8 FT TH S 88 DEG 45 MIN 25 SEC E 458.62 FT
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 13, 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	1121 RIPLEY RD, LINDEN, MI 48451-9416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CREDIT UNION
Apr 7, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Deed Document Number	2026092153516
Prior Transfer Date	Apr 7, 2026
Prior Transfer Doc	0000012379
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 21, 2026
Property Address	10470 BALDWIN RD, GAINES, MI 48436-9773
Document Number	0000053516
Instrument Date	Sep 17, 2026
Instrument	2026092153516
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	CISLO TITLE, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208,464.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 RIPLEY RD, LINDEN, MI 48451-9416

Mortgage

Document Number	0000053517,
Date	Sep 21, 2026
Instrument	2026092153517

Lender

Name	LAKE MICHIGAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 7, 2026
Property Address	10470 BALDWIN RD, GAINES, MI 48436-9773
Document Number	0000012379
Instrument Date	Apr 7, 2026
Instrument	202612379
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10470 BALDWIN RD, GAINES, MI 48436-9773

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		$95,800 (+6.44%) Land $29,300 Building $66,500	$191,600 (+6.44%) Land $58,600 Building $133,000
2025	$2,042.00 (+2.87%) Homeowner's exemption	$90,000 (+13.49%)	$180,000 (+13.49%)
2024	$1,985.00 (+39.49%)
2023		$79,300	$158,600
2019	$1,423.00

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 95% of the US · lower than 89% 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 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.

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