11060 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11060 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,424 sqft · built 1974
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Tax Bill	$855 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-32-400-005`

Property Details

APN / Parcel Number

Primary APN	`10-32-400-005`

Interior

Full Baths	1 Bath
Building Area	1,424 sqft Living Area
1st Floor Area	1,424 sqft
Basement Area	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	38,333 sqft (0.88 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	11060 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 545 FT W OF SE COR OF SEC TH W 160 FT TH N 289.50 FT TH E 160 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, 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	2 Individual Names on Record
Mailing Address	11060 RAY RD, GAINES, MI 48436-8916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit LOC FCU
Oct 13, 2020	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Jul 20, 2017	Warranty Deed, Transfer · VA Mortgage MORTGAGE 1 INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2017
Deed Sale	Jul 20, 2017
Deed Document Number	201750500
Prior Transfer Date	Jun 6, 2000
Prior Transfer Doc	0000042354
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11060 RAY RD, GAINES, MI 48436-8916
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11060 RAY RD, GAINES, MI 48436-8916

Mortgage

Document Number	0000019604
Date	Oct 28, 2025
Instrument	202510280019604

Lender

Name	LOC FCU
Type	Credit Union
Address	FARMINGTON, MI 48336

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GENESEE MI
Property Address	11060 RAY RD, GAINES, MI 48436-8916
Document Number	0000082451
Instrument Date	Oct 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11060 RAY RD GAINES MI 484368916, GAINES, MI 48436-8916

Mortgage

Document Number	0000082451
Date	Dec 8, 2020
Instrument	82451

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Dec 7, 2047

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 20, 2017
Property Address	11060 RAY RD, GAINES, MI 48436-8916
Document Number	0000050500
Instrument Date	Jul 10, 2017
Instrument	50500
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	ATA NATIONAL TITLE, ATA NAT'L TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,238.00
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	351 GREEN ST PERRY MI 48872, PERRY, MI 48872

Mortgage

Document Number	50501
Date	Jul 20, 2017
Instrument	50501

Lender

Name	MORTGAGE 1 INC
Type	Funding / Finance Company
Address	STERLING HEIGHTS, MI 48314

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2047

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 3, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$855.00 (-67.38%) Homeowner's exemption	$92,000 (+6.85%)	$184,000 (+6.85%)
2024	$2,621.00 (+35.24%)
2023		$86,100	$172,200
2019	$1,938.00

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	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.

Wildfire

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.

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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