11107 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11107 Ray Rd, Gaines, MI 48436 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1965
Lot Size	2.31 acres (100,624 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Nov 2020)
Tax Bill	$1,123 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-05-200-005`

Property Details

APN / Parcel Number

Primary APN	`01-05-200-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	100,624 sqft (2.31 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	11107 RAY RD
City	GAINES
State	MI
Zip	48436-8918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND BEG N 89 DEG 43 MIN 27 SEC E 1226.7 FT FROM N 1/4 COR OF SEC TH N 89 DEG 43 MIN 27 SEC E 345 FT TH S 1 DEG
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 · APN 01-05-200-005

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	11107 RAY RD, GAINES, MI 48436-8918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 02, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARDA FCU
Nov 03, 2020	Warranty Deed, Transfer · Conventional Mortgage LEVEL ONE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 03, 2020 · Amount on Record
Deed Sale	Nov 03, 2020 · Amount on Record
Prior Sale	Oct 25, 2016 · Amount on Record
Deed Document Number	202074985
Prior Transfer Date	Mar 14, 2002
Prior Transfer Doc	0000038897
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11107 RAY RD, GAINES, MI 48436-8918
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11107 RAY RD, GAINES, MI 48436-8918

Mortgage

Document Number	0000054335
Date	Aug 02, 2022
Instrument	202208020054335

Lender

Name	PARDA FCU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 01, 2032

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 03, 2020
Property Address	11107 RAY RD, GAINES, MI 48436-8918
Document Number	202011030074985
Instrument Date	Oct 02, 2020
Instrument	202011030074985
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	MICHIGAN TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11107 RAY RD, 11107, GAINES, MI 48436-8918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11107 RAY RD, GAINES, MI 48436-8918

Mortgage

Document Number	202011030074986
Date	Nov 03, 2020
Instrument	202011030074986

Lender

Name	LEVEL ONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

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	Argentine 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	$1,123.00 (-78.56%)	$113,800 (+16.24%)	$227,600 (+16.24%)
2024	$5,238.00 (+247.58%)
2023		$97,900	$195,800
2019	$1,507.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260490130011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 33 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Frontier, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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