Genesee County property record for 11432 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,592 sqft · built 1996 |
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Mar 2024) |
| Tax Bill | $8,026 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-20-300-011 |
| Primary APN | 10-20-300-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,592 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Foundation Type | Raised |
| Lot Area | 49,223 sqft (1.13 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11432 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9779 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | A PARCEL OF LAND BEG N 89 DEG 47 MIN 41 SEC E 854 FT FROM SW COR OF SEC TH N 290 FT TH N 89 DEG 47 MIN 41 SEC E 170 FT TH S |
| Legal Range | 05E |
| Legal Township | 06N |
| Legal Section | 20 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 12801 |
11432 Cook Rd is owned and occupied by an individual who bought it in March 2024.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11432 COOK RD, GAINES, MI 48436-9779 |
| 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.
| Date | Document |
|---|---|
| Mar 6, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 31, 2020 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Oct 4, 2017 | Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE 1 AT SUBURBAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2024 · Amount on File |
| Deed Sale | Mar 6, 2024 · Amount on File |
| Prior Sale | Mar 31, 2020 · Amount on File |
| Deed Document Number | 20249337 |
| Prior Transfer Date | Sep 11, 2017 |
| Prior Transfer Doc | 0000063896 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Mar 6, 2024 |
| Property Address | 11432 COOK RD, GAINES, MI 48436-9779 |
| Document Number | 0000009337 |
| Instrument Date | Mar 1, 2024 |
| Instrument | 202403060009337 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,912.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11432 COOK RD, GAINES, MI 48436-9779 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 11432 COOK RD, GAINES, MI 48436-9779 |
| Document Number | 0000009266 |
|---|---|
| Date | Mar 5, 2024 |
| Instrument | 202403050009266 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Mar 31, 2020 |
| Property Address | 11432 COOK RD, GAINES, MI 48436-9779 |
| Document Number | 0000029288 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 29288 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | CROSSROADS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,643.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 320 OAK ST LINDEN MI 484518903, LINDEN, MI 48451-8903 |
| Document Number | 29289 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 29289 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 30, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Oct 4, 2017 |
| Property Address | 11432 COOK RD, GAINES, MI 48436-9779 |
| Document Number | 0000063896 |
| Instrument Date | Sep 11, 2017 |
| Instrument | 63896 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2017 |
| Title Company | MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11432 COOK RD GAINES MI 484369779, GAINES, MI 48436-9779 |
| Document Number | 61439 |
|---|---|
| Date | Oct 4, 2017 |
| Instrument | 61439 |
| Name | MORTGAGE 1 AT SUBURBAN |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 3, 2047 |
The 2025 property tax bill for 11432 Cook Rd was $8,026, up 73.4% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $162,800 (+6.89%) Land $17,900 Building $144,900 | $325,600 (+6.89%) Land $35,800 Building $289,800 | |
| 2025 | $8,026.00 (+73.42%) Homeowner's exemption | $152,300 | $304,600 |
| 2024 | $4,628.00 | ||
| 2023 | $141,700 | $283,400 | |
| 2019 | $2,413.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11432 Cook Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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 | 1 in force |
| Nearby Flood Claims | 2 (2014–2017) |
| Most Recent Claim | Apr 2017 · river or lake flooding |
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 risk around 11432 Cook 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 95% of the US · lower than 89% 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures