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10512 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 10512 Ray Rd, Gaines, MI 48436

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,915 sqft · built 1969
Lot Size1.36 acres (59,242 sqft)
OwnerIndividual Name on File
Last Sale$262,000 (Apr 2022)
Tax Bill$1,274 (2025)
Deeds & MortgagesMar 2022 Mortgage
Apr 2022 Sale
Flood ZoneZone X (minimal risk)
APN10-33-300-010

Property Details

APN / Parcel Number

Primary APN10-33-300-010

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Building Area1,915 sqft Living Area
1st Floor Area1,915 sqft
Basement Area1,497 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1969
Architectural StyleRanch
Lot Area59,242 sqft (1.36 acres)
Garage Area702 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Street Address10512 RAY RD
CityGAINES
StateMI
Zip48436-9607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAG-1
Legal DescriptionW 180 FT OF S 330 FT OF SW 1/4 SEC 33 T6N R5E
Legal Range05E
Legal Township06N
Legal Section33
JurisdictionGENESEE MI
Township / Civil DivisionGAINES
Census Block Group2
Census Block2011
Census Tract12801

Owner

Source: Genesee County records · APN 10-33-300-010

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 RecordIndividual Name on File
Mailing Address10512 RAY RD, GAINES, MI 48436-9607
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 29, 2022Deed of Trust, Mortgage · Conventional Mortgage
THE HUNTINGTON NATIONAL BANK
Apr 19, 2022Warranty Deed, Transfer
WEST MI REALTORS TITLE, WEST MI REALTORS TTL CO LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 19, 2022 · Amount on Record
Deed SaleApr 19, 2022 · Amount on Record
Deed Document Number202230862
Record UpdatedSep 20, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGENESEE MI
Property Address10512 RAY RD, GAINES, MI 48436-9607
Transaction TypeMortgage
Record UpdatedJan 19, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address9396 RIVER DR, LINDEN, MI 48451-8763

Mortgage

Document Number0000018467
DateMar 29, 2022
Instrument202203290018467
Lender
NameTHE HUNTINGTON NATIONAL BANK
TypeBank
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionGENESEE MI
Recording DateApr 19, 2022
Property Address10512 RAY RD, GAINES, MI 48436-9607
Document Number0000030862
Instrument DateMar 26, 2022
Instrument202204190030862
Transaction TypeTransfer
Record UpdatedMay 06, 2022
Title CompanyWEST MI REALTORS TITLE, WEST MI REALTORS TTL CO LLC

Transaction

AmountAmount Recorded
Tax$1,965.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1420 OVERCHECK LN, 1420, GALLATIN, TN 37066-2408

Transferred To (Grantee/Buyer)

NameVerified Name
Address10512 RAY RD, GAINES, MI 48436-9607

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMichigan
CountyGenesee County
County SubdivisionGaines Township
Unified School DistrictSwartz 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,274.00 (-66.77%) Homeowner's exemption$111,300 (+7.23%)$222,600 (+7.23%)
2024$3,834.00 (+102.32%)
2023$103,800$207,600
2019$1,895.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims2 (2014–2017)
Most Recent ClaimApr 2017 · river or lake flooding

Wildfire

Wildfire RiskLow
lower than 96% of the US · lower than 91% of Michigan
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		25 / 3

May also be available: Frontier, Spectrum, Verizon.

Based on FCC filings for 33 locations within half a mile of this property.

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