Genesee County property record for 11050 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,144 sqft · built 1974 |
| Lot Size | 0.96 acres (41,818 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Jul 2005) |
| Tax Bill | $654 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-32-400-006 |
| Primary APN | 10-32-400-006 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Lot Area | 41,818 sqft (0.96 acres) |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11050 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | A PARCEL OF LAND BEG 400 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 |
Source: Genesee County records, as of May 27, 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 | 11050 RAY RD, GAINES, MI 48436-8916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 21, 2005 · Amount on Record |
| Deed Sale | Jul 21, 2005 · Amount on Record |
| Deed Document Number | 200572015 |
| Prior Transfer Date | May 26, 2005 |
| Prior Transfer Doc | 0000072015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 11050 RAY RD, GAINES, MI 48436-8916 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000030859 |
|---|---|
| Date | Apr 7, 2017 |
| Instrument | 201704070030859 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | RIVERSIDE, RI 02915 |
| Amount | Amount Recorded |
|---|---|
| Term | 299 Months |
| Due | Mar 15, 2042 |
Source: Genesee County assessment roll, as of October 3, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $654.00 (-68.21%) Homeowner's exemption | $95,500 (+6.94%) | $191,000 (+6.94%) |
| 2024 | $2,057.00 (+38.71%) | ||
| 2023 | $89,300 | $178,600 | |
| 2019 | $1,483.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 51% of Michigan |
|---|---|
| Wildfire Likelihood | 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.
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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