11133 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11133 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1965
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$114,900 (Oct 2018)
Tax Bill	$2,287 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-05-200-004`

Property Details

APN / Parcel Number

Primary APN	`01-05-200-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11133 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 971 FT E OF N 1/4 COR OF SEC TH E 100.67 FT TH S 1 DEG 20 MIN 38 SEC E 200 FT TH W 98 FT TH N 2 DEG 06
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 October 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	11133 RAY RD, GAINES, MI 48436-8918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2018	Deed of Trust, Mortgage · ARM THE STATE BANK
Oct 11, 2018	Warranty Deed, Transfer CISLO TITLE, CISLO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2018 · Amount on Record
Deed Sale	Oct 11, 2018 · Amount on Record
Prior Sale	Aug 4, 2004 · Amount on Record
Deed Document Number	201892244
Prior Transfer Date	Aug 12, 2004
Prior Transfer Doc	0000086836
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	11133 RAY RD, GAINES, MI 48436-8918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086009
Date	Sep 10, 2018
Instrument	201809100086009

Lender

Name	THE STATE BANK
Type	Bank
Address	FENTON, MI 48430

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 11, 2018
Property Address	11133 RAY RD, GAINES, MI 48436-8918
Document Number	0000092244
Instrument Date	Oct 5, 2018
Instrument	92244
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	CISLO TITLE, CISLO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$988.14
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	10484 HALSEY RD GRAND BLANC MI 484398211, GRAND BLANC, MI 48439-8211

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,900 (+11.29%) Land $7,600 Building $70,300	$155,800 (+11.29%) Land $15,200 Building $140,600
2025	$2,287.00 (+3.91%) Homeowner's exemption	$70,000 (+12.36%)	$140,000 (+12.36%)
2024	$2,201.00 (+51.38%)
2023		$62,300	$124,600
2019	$1,454.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Nearby Properties on Ray Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures