11040 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11040 Ray Rd, Gaines, MI 48436 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,328 sqft · built 1975
Lot Size	0.96 acres (41,818 sqft)
Owner	Individual Name on File
Tax Bill	$781 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-32-400-007`

Property Details

APN / Parcel Number

Primary APN	`10-32-400-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,328 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Lot Area	41,818 sqft (0.96 acres)
Garage Area	1,104 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11040 RAY RD
City	GAINES
State	MI
Zip	48436-8916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND BEG 255 FT W OF SE COR OF SEC TH W 145 FT TH N 289.50 FT TH E 145 FT TH S 289.50 FT TO PLACE OF BEG SEC 32
Legal Range	05E
Legal Township	06N
Legal Section	32
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2032
Census Tract	12801

Owner

Source: Genesee County records · APN 10-32-400-007

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 Record	Individual Name on File
Mailing Address	11040 RAY RD, GAINES, MI 48436-8916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11040 RAY RD, GAINES, MI 48436-8916
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	ATTORNEYS TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11040 RAY RD, FOSTORIA, MI 48435

Mortgage

Document Number	0000001064
Date	Jan 05, 2022
Instrument	202201050001064

Lender

Name	DORT FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$781.00 (-67.65%) Homeowner's exemption	$103,100 (+6.84%)	$206,200 (+6.84%)
2024	$2,414.00 (+36.23%)
2023		$96,500	$193,000
2019	$1,772.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 5% of the US · above 12% of Michigan
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.