11087 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11087 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,108 sqft · built 1967
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$26,000 (Mar 2012)
Tax Bill	$728 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-05-200-018`

Property Details

APN / Parcel Number

Primary APN	`01-05-200-018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,108 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	44,431 sqft (1.02 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11087 RAY RD
City	GAINES
State	MI
Zip	48436-8916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	N 330 FT OF W 1/2 OF E 1/2 OF NE 1/4 EXCEPT W 245 FT ALSO EXCEPT E 280 FT SEC 5 T5N R5E (98) FR 01-05-200-006
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 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	PO BOX 151, GAINES, MI 48436-0151
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CU
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit FINANCIAL PLUS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2012 · Amount on Record
Deed Sale	Mar 28, 2012 · Amount on Record
Prior Sale	Sep 22, 2010 · Amount on Record
Deed Document Number	201231797
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11087 RAY RD, GAINES, MI 48436-8916
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9109 DUFFIELD RD, GAINES, MI 48436-9743

Mortgage

Document Number	0000006450
Date	Mar 4, 2026
Instrument	202603040006450

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	5 Months
Due	Aug 28, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11087 RAY RD, GAINES, MI 48436-8916
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9109 DUFFIELD RD, GAINES, MI 48436-9743

Mortgage

Document Number	0000019763
Date	Oct 29, 2025
Instrument	202510290019763

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	42 Months
Due	Apr 28, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

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
2025	$728.00 (-79.53%)	$93,200 (+16.06%)	$186,400 (+16.06%)
2024	$3,557.00 (+37.44%)
2023		$80,300	$160,600
2019	$2,588.00

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	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	None beyond ember reach

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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