Genesee County property record for 11191 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,622 sqft · built 1997 |
| Lot Size | 8.31 acres (361,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Aug 2013) |
| Tax Bill | $4,754 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-05-200-015 |
| Primary APN | 01-05-200-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,622 sqft Living Area |
| 1st Floor Area | 1,590 sqft |
| Basement Area | 1,590 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 361,984 sqft (8.31 acres) |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 11191 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 E 488 FT FROM N 1/4 COR OF SEC TH E 224 FT TH S 1 DEG 26 MIN 20 SEC E 1674.47 FT TH N 63 DEG 09 MIN 40 |
| Legal Range | 05E |
| Legal Township | 05N |
| Legal Section | 05 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | ARGENTINE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 13001 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11191 RAY RD, GAINES, MI 48436-8918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2023 | Intrafamily Transfer, Transfer |
| Nov 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2013 · Amount on Record |
| Deed Sale | Aug 29, 2013 · Amount on Record |
| Prior Sale | May 14, 2001 · Amount on Record |
| Deed Document Number | 201398973 |
| Last Transfer Date | Oct 27, 2023 |
| Transfer Doc | 0000057014 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Nov 2, 2023 |
| Property Address | 11191 RAY RD, GAINES, MI 48436-8918 |
| Document Number | 0000057014 |
| Instrument Date | Oct 27, 2023 |
| Instrument | 202311020057014 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 11191 RAY RD, GAINES, MI 48436-8918 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 11191 RAY RD, GAINES, MI 48436-8918 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000077904 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 202011160077904 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $223,800 (+12.41%) Land $42,800 Building $181,000 | $447,600 (+12.41%) Land $85,600 Building $362,000 | |
| 2025 | $4,754.00 (+4.37%) Homeowner's exemption | $199,100 (+16.77%) | $398,200 (+16.77%) |
| 2024 | $4,555.00 (+33.77%) | ||
| 2023 | $170,500 | $341,000 | |
| 2019 | $3,405.00 |
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 |
|---|---|
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 93% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: Frontier.
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