11351 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 11351 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1995
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Jul 2024)
Tax Bill	$3,083 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-05-100-011`

Property Details

APN / Parcel Number

Primary APN	`01-05-100-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modular
Lot Area	45,738 sqft (1.05 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	11351 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 S 87 DEG 55 MIN 40 SEC W 864 FT FROM N 1/4 COR OF SEC TH S 01 DEG 26 MIN 20 SEC E 230 FT TH S 87 DEG 55
Legal Range	05E
Legal Township	05N
Legal Section	05
Legal Subdivision	BAKER PARK
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1006
Census Tract	13001

Owner

11351 Ray Rd is owned and occupied by two individuals who bought it in July 2024.

Source: Genesee County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11351 RAY RD, GAINES, MI 48436-8918
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORPORATION
Jul 23, 2024	Warranty Deed, Transfer · Conventional Mortgage STAUNTON FINANCIAL INC
Jan 5, 2023	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2024 · Amount on File
Deed Sale	Jul 23, 2024 · Amount on File
Prior Sale	Jan 5, 2023 · Amount on File
Deed Document Number	202440489
Prior Transfer Date	Oct 25, 2014
Prior Transfer Doc	0000083647
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Recording Date	Jun 25, 2026
Property Address	11351 RAY RD, GAINES, MI 48436-8918
Document Number	0000039383
Instrument Date	Jun 19, 2026
Instrument	202639383
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	11351 RAY RD, GAINES, MI 48436-8918

Mortgage

Document Number	0000039383,
Date	Jun 25, 2026
Instrument	202639383

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 23, 2024
Property Address	11351 RAY RD, GAINES, MI 48436-8918
Document Number	0000040489
Instrument Date	Jul 19, 2024
Instrument	202407230040489
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	UNKNOWN, CISLO TTL CO TTL INS & ESCRO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,552.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11351 RAY RD, GAINES, MI 48436-8918

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8178 NORTHVIEW DR, HOWELL, MI 48855-7280

Mortgage

Document Number	0000040490
Date	Jul 23, 2024
Instrument	202407230040490

Lender

Name	STAUNTON FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jan 5, 2023
Property Address	11351 RAY RD, GAINES, MI 48436-8918
Document Number	0000000488
Instrument Date	Dec 20, 2022
Instrument	202301050000488
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	MICHIGAN MOVES TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11351 RAY RD, GAINES, MI 48436-8918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9191 OWOSSO RD, FOWLERVILLE, MI 48836-8525

Mortgage

Document Number	0000000489
Date	Jan 5, 2023
Instrument	202301050000489

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Mortgage

Document Number	0000000490
Date	Jan 5, 2023
Instrument	202301050000490

Lender

Name	MICHIGAN STATE HOUSING DEV AUTHORITY
Type	Government Agency
Address	LANSING, MI 48912

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 11351 Ray Rd was $3,083 with a homeowner's exemption, up 11% from the year before.

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		$83,500 (+3.09%) Land $13,700 Building $69,800	$167,000 (+3.09%) Land $27,400 Building $139,600
2025	$3,083.00 (+11.02%) Homeowner's exemption	$81,000	$162,000
2024	$2,777.00
2023		$73,600	$147,200
2019	$1,270.00

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

FEMA maps place 11351 Ray Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 11351 Ray Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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