11017 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11017 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,310 sqft · built 1989
Lot Size	13.4 acres (587,189 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (Nov 2020)
Tax Bill	$5,607 (2025)
Deeds & Mortgages	Mar 2018 Second Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-05-200-021`

Property Details

APN / Parcel Number

Primary APN	`01-05-200-021`
Alternative APN	`0105200009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,310 sqft Living Area
1st Floor Area	1,310 sqft
Basement Area	1,310 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	587,189 sqft (13.4 acres)
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11017 RAY RD
City	GAINES
State	MI
Zip	48436-8916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	A PARCEL OF LAND BEG 254 FT W OF NE COR OF SEC TH W 14 FT TH S 89 DEG 43 MIN 27 SEC W 191.96 FT TH S 1 DEG 29 MIN 12 SEC E
Legal Range	05E
Legal Township	05N
Legal Section	05
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1004
Census Tract	13001

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	2 Individual Names on Record
Mailing Address	11017 RAY RD, GAINES, MI 48436-8916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL PLUS CU
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU
Nov 30, 2020	Warranty Deed, Transfer CISLO TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	Sep 26, 2006 · Amount on Record
Deed Document Number	202080236
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11017 RAY RD, GAINES, MI 48436-8916
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014724
Date	Mar 20, 2018
Instrument	201803200014724

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Feb 28, 2028

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11017 RAY RD, GAINES, MI 48436-8916
Transaction Type	Mortgage
Record Updated	Aug 12, 2022
Title Company	MASON BURGESS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008488
Date	Feb 13, 2020
Instrument	202002130008488

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2030

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 30, 2020
Property Address	11017 RAY RD, GAINES, MI 48436-8916
Document Number	0000080236
Instrument Date	Nov 20, 2020
Instrument	80236
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Tax	$516.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11017 RAY RD GAINES MI 484368916, GAINES, MI 48436-8916

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$190,000 (+10.21%) Land $59,000 Building $131,000	$380,000 (+10.21%) Land $118,000 Building $262,000
2025	$5,607.00 (+3.32%) Homeowner's exemption	$172,400 (+13.8%)	$344,800 (+13.8%)
2024	$5,427.00
2023		$151,500	$303,000

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	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.

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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