112 E Lord St, Gaines, MI 48436 Property Records

Genesee County property record for 112 E Lord St, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	1 ba · 884 sqft · built 1963
Lot Size	0.138 acres (6,011 sqft)
Owner	Individual Name on File
Last Sale	$76,329 (Aug 2019)
Tax Bill	$531 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-31-577-084`

Property Details

APN / Parcel Number

Primary APN	`10-31-577-084`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Foundation Type	No Foundation
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	112 E LORD ST
City	GAINES
State	MI
Zip	48436-8927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 BLK 12 VILLAGE OF GAINES
Legal Subdivision	THE VILLAGE OF GAINES SUBDIVISION
Legal Block	12
Legal Lot Number	18
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2042
Census Tract	12801

Owner

Source: Genesee County records · APN 10-31-577-084

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	112 E LORD ST, GAINES, MI 48436-8927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 19, 2019 · Amount on Record
Deed Sale	Aug 19, 2019 · Amount on Record
Prior Sale	Jan 25, 2006 · Amount on Record
Deed Document Number	201955061
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Aug 19, 2019
Property Address	112 E LORD ST, GAINES, MI 48436-8927
Document Number	201908190055061
Map Reference	LB 18 PG 14
Instrument Date	Aug 15, 2019
Instrument	201908190055061
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$657.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 E LORD ST, GAINES, MI 48436-8927

Mortgage

Document Number	201908190055062
Date	Aug 19, 2019
Instrument	201908190055062

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2039

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	Gaines Township
Municipality	Gaines Village
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	$531.00 (-79.48%)	$46,400 (-13.27%)	$92,800 (-13.27%)
2024	$2,588.00 (+251.63%)
2023		$53,500	$107,000
2019	$736.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 19, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 95% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 141 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VILLAGE OF BYRON serves 581 people
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.