10498 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10498 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,656 sqft · built 1969
Lot Size	1.14 acres (49,658 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Aug 2017)
Tax Bill	$2,944 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-33-300-011`

Property Details

APN / Parcel Number

Primary APN	`10-33-300-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft
Basement Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Lot Area	49,658 sqft (1.14 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	10498 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	E 150 FT OF W 330 FT OF S 330 FT OF SW 1/4 SEC 33 T6N R5E
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

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 Record	Individual Name on Record
Mailing Address	10498 RAY RD, GAINES, MI 48436-9607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Aug 30, 2017	Warranty Deed, Transfer SELECT TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2017 · Amount on Record
Deed Sale	Aug 30, 2017 · Amount on Record
Deed Document Number	201757383
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10498 RAY RD, GAINES, MI 48436-9607
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021765
Date	Mar 30, 2021
Instrument	202103300021765

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Sep 1, 2047

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	10498 RAY RD, GAINES, MI 48436-9607
Transaction Type	Mortgage
Record Updated	Aug 30, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10498 RAY RD, GAINES, MI 48436-9607

Mortgage

Document Number	0000057046
Date	Aug 17, 2022
Instrument	202208170057046

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Aug 30, 2017
Property Address	10498 RAY RD, GAINES, MI 48436-9607
Document Number	201708300057383
Instrument Date	Aug 15, 2017
Instrument	201708300057383
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SELECT TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,264.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 LAUREL LEAH, FENTON, MI 48430-8796

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		$111,900 (+10.9%) Land $17,900 Building $94,000	$223,800 (+10.9%) Land $35,800 Building $188,000
2025	$2,944.00 (+2.76%) Homeowner's exemption	$100,900 (+7.11%)	$201,800 (+7.11%)
2024	$2,865.00 (+34.19%)
2023		$94,200	$188,400
2019	$2,135.00

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	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 94% of the US · lower than 87% 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 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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