Genesee County property record for 10506 Smith Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,564 sqft · built 2000 |
| Lot Size | 2.27 acres (98,881 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,000 (Jun 2016) |
| Tax Bill | $5,196 (2025) |
| Deeds & Mortgages | Nov 2023 Second Mortgage Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-04-300-002 |
| Primary APN | 01-04-300-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 1,012 sqft |
| Basement Area | 1,012 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 98,881 sqft (2.27 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 10506 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 AT SW COR OF SEC TH N 557.23 FT TH S 39 DEG 20 MIN 44 SEC E 397.28 FT TH S 6 DEG 43 MIN 03 SEC W 260.80 |
| 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 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Jul 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| May 7, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2016 · Amount on Record |
| Deed Sale | Jun 27, 2016 · Amount on Record |
| Deed Document Number | 201650045 |
| Prior Transfer Date | Mar 27, 2009 |
| Prior Transfer Doc | 0000033576 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Document Number | 0000060912 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 202311300060912 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL GROUP |
| Name | Verified Name |
|---|---|
| Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Document Number | 202110060079450 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 202110060079450 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000053922 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 202007300053922 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 10506 SMITH RD, GAINES, MI 48436-9752 |
| Document Number | 0000037539 |
| Instrument Date | May 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10506 SMITH RD GAINES MI 484369752, GAINES, MI 48436-9752 |
| Document Number | 0000037539 |
|---|---|
| Date | May 16, 2019 |
| Instrument | 37539 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 15, 2049 |
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $198,200 (-2.6%) Land $16,800 Building $181,400 | $396,400 (-2.6%) Land $33,600 Building $362,800 | |
| 2025 | $5,196.00 (+3.26%) Homeowner's exemption | $203,500 (+17.63%) | $407,000 (+17.63%) |
| 2024 | $5,032.00 (+34.94%) | ||
| 2023 | $173,000 | $346,000 | |
| 2019 | $3,729.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
| T-Mobile Fixed Wireless | 25 / 3 |
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