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10497 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10497 Ray Rd, Gaines, MI 48436

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,473 sqft · built 1925
Lot Size1.54 acres (67,082 sqft)
Owner2 Individual Names on Record
Last Sale$70,001 (May 2023)
Tax Bill$3,218 (2025)
Deeds & MortgagesMay 2023 Sale
May 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-05-200-020

Property Details

APN / Parcel Number

Primary APN01-05-200-020
Alternative APN
  • 0105200010

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,473 sqft Living Area
1st Floor Area1,129 sqft
Basement Area546 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Lot Area67,082 sqft (1.54 acres)
Garage Area1,280 sqft
Parking Spaces5 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address10497 RAY RD
CityGAINES
StateMI
Zip48436-9607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG
Legal DescriptionA PARCEL OF LAND BEG AT NE COR OF SEC 5 TH W 132.28 FT TH S 01 DEG 37 MIN 53 SEC E 325.45 FT TH N 89 DEG 50 MIN 05 SEC E
JurisdictionGENESEE MI
Township / Civil DivisionARGENTINE
Census Block Group1
Census Block1004
Census Tract13001

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 Record2 Individual Names on Record
Mailing Address10497 RAY RD, GAINES, MI 48436-9607
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 9, 2023Warranty Deed, Transfer
SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC
May 9, 2023Quit Claim Deed, Transfer
SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC
Nov 25, 2020Warranty Deed, Transfer
CISLO TITLE, CISLO TITLE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 9, 2023 · Amount on Record
Deed SaleMay 9, 2023 · Amount on Record
Prior SaleApr 6, 2010 · Amount on Record
Deed Document Number202331439
Last Transfer DateMay 30, 2025
Transfer Doc0000000126
Record UpdatedOct 29, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGENESEE MI
Recording DateMay 9, 2023
Property Address10497 RAY RD, GAINES, MI 48436-9607
Document Number0000031439
Instrument DateMay 4, 2023
Instrument202305090031439
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanySARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC

Transaction

AmountAmount Recorded
Tax$528.75
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10497 RAY ROAD, ISLE SAINT GEORGE, OH 43436

Transferred To (Grantee/Buyer)

NameVerified Name
Address2038 WALDEN CT, FLINT, MI 48532-2421

May 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGENESEE MI
Recording DateMay 9, 2023
Property Address10497 RAY RD, GAINES, MI 48436-9607
Document Number0000031438
Instrument DateMay 2, 2023
Instrument202305090031438
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanySARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address10497 RAY RD, GAINES, MI 48436-9607

Transferred To (Grantee/Buyer)

NameVerified Name
Address10497 RAY RD, GAINES, MI 48436-9607

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGENESEE MI
Recording DateNov 25, 2020
Property Address10497 RAY RD, GAINES, MI 48436-9607
Document Number0000080119
Instrument DateNov 20, 2020
Instrument80119
Transaction TypeTransfer
Record UpdatedFeb 1, 2021
Title CompanyCISLO TITLE, CISLO TITLE CO

Transaction

AmountAmount Recorded
Tax$740.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10497 RAY RD GAINES MI 484369607, GAINES, MI 48436-9607

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

TypeName
StateMichigan
CountyGenesee County
County SubdivisionArgentine Township
Unified School DistrictSwartz Creek Community Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$90,300 (+3.91%) Land $16,000 Building $74,300$180,600 (+3.91%) Land $32,000 Building $148,600
2025$3,218.00 (+3.71%)$86,900 (+15.41%)$173,800 (+15.41%)
2024$3,103.00
2023$75,300$150,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 94% of the US · lower than 87% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 33 locations within half a mile, as of December 31, 2025

ProviderMax 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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