10488 Smith Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10488 Smith Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1945
Lot Size	10 acres (436,036 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Sep 2024)
Tax Bill	$1,509 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-04-300-003`

Property Details

APN / Parcel Number

Primary APN	`01-04-300-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	914 sqft
Basement Area	572 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	436,036 sqft (10 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10488 SMITH RD
City	GAINES
State	MI
Zip	48436-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	A PARCEL OF LAND BEG 221.55 FT E OF SW COR OF SEC TH E 209.19 FT TH N 3 DEG 43 MIN 40 SEC E 449.73 FT TH N 36 DEG 16 MIN 18
Legal Range	05E
Legal Township	05N
Legal Section	04
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1016
Census Tract	13001

Owner

Source: Genesee County records · APN 01-04-300-003

Assessment roll updated October 3, 2025 · Last verified June 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 File
Mailing Address	11389 IRISH RD, OTISVILLE, MI 48463-9447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU
Oct 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 12, 2024 · Amount on Record
Deed Sale	Sep 12, 2024 · Amount on Record
Prior Sale	Feb 07, 2013 · Amount on Record
Deed Document Number	202447499
Prior Transfer Date	Feb 19, 1999
Prior Transfer Doc	0000017407
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10488 SMITH RD, GAINES, MI 48436-9752
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10488 SMITH RD, GAINES, MI 48436-9752

Mortgage

Document Number	0000042592
Date	May 31, 2022
Instrument	202205310042592

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 28, 2037

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10488 SMITH RD, GAINES, MI 48436-9752
Document Number	0000071711
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10488 SMITH RD GAINES MI 484369752, GAINES, MI 48436-9752

Mortgage

Document Number	0000071711
Date	Nov 15, 2017
Instrument	71711

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 14, 2027

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,509.00 (-40.26%) Homeowner's exemption	$131,800 (+31.27%)	$263,600 (+31.27%)
2024	$2,526.00 (+54.12%)
2023		$100,400	$200,800
2019	$1,639.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 19, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 8 locations within half a mile of this property.

Nearby Properties on Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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