Genesee County property record for 11108 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,776 sqft · built 1981 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,876 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-32-400-003 |
| Primary APN | 10-32-400-003 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,776 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 1,152 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 7,224 sqft |
| Parking Spaces | 23 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11108 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | A PARCEL OF LAND BEG 985 FT W OF SE COR OF SEC TH W 342.83 FT TH N 1 DEG 04 MIN 45 SEC W 241.11 FT TH N 20 DEG 00 MIN 55 SEC |
| 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 October 2, 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 | 11108 RAY RD, GAINES, MI 48436-8918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Genesee County assessment roll, as of October 2, 2026
| 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 |
|---|---|---|---|
| 2026 | $241,900 (+4.22%) Land $42,300 Building $199,600 | $483,800 (+4.22%) Land $84,600 Building $399,200 | |
| 2025 | $3,876.00 (+2.78%) Homeowner's exemption | $232,100 (+11.21%) | $464,200 (+11.21%) |
| 2024 | $3,771.00 (+31.71%) | ||
| 2023 | $208,700 | $417,400 | |
| 2019 | $2,863.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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