11115 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11115 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,232 sqft · built 1979
Lot Size	6.26 acres (272,686 sqft)
Owner	Individual Name on Record
Last Sale	$322,000 (Jan 2025)
Tax Bill	$1,633 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-05-200-003`

Property Details

APN / Parcel Number

Primary APN	`01-05-200-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	272,686 sqft (6.26 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	11115 RAY RD
City	GAINES
State	MI
Zip	48436-8918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	A PARCEL OF LAND BEG 926 FT E OF N 1/4 COR OF SEC TH E 45 FT TH S 2 DEG 06 MIN 30 SEC E 200 FT TH E 98 FT TH N 1 DEG 20 MIN
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	Individual Name on Record
Mailing Address	11115 RAY RD, GAINES, MI 48436-8918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · VA Mortgage IMPERIUM LENDING LLC
Jun 2, 2023	Warranty Deed, Transfer CRISLO TITLE COMPANY, CISLO TITLE COMPANY
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2025 · Amount on Record
Deed Sale	Jan 22, 2025 · Amount on Record
Prior Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	20253491
Prior Transfer Date	Aug 5, 2010
Prior Transfer Doc	0000060537
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11115 RAY RD, GAINES, MI 48436-8918
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11115 RAY RD, GAINES, MI 48436-8918

Mortgage

Document Number	0000016732
Date	Oct 10, 2025
Instrument	202510100016732

Lender

Name	IMPERIUM LENDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jun 2, 2023
Property Address	11115 RAY RD, GAINES, MI 48436-8918
Document Number	0000035055
Instrument Date	May 24, 2023
Instrument	202306020035055
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	CRISLO TITLE COMPANY, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11115 RAY RD, GAINES, MI 48436-8918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7410 WILSON RD, MONTROSE, MI 48457-9171

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11115 RAY RD, GAINES, MI 48436-8918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069977
Date	Oct 12, 2020
Instrument	202010120069977

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

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	$1,633.00 (-66.61%) Homeowner's exemption	$145,000 (+14.44%)	$290,000 (+14.44%)
2024	$4,890.00 (+88.95%)
2023		$126,700	$253,400
2019	$2,588.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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