Genesee County property record for 11446 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,650 sqft · built 1995 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Nov 2010) |
| Tax Bill | $5,403 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-20-300-010 |
| Primary APN | 10-20-300-010 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,650 sqft Living Area |
| 1st Floor Area | 1,380 sqft |
| Basement Area | 1,380 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 11446 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 729 FT FROM SW COR OF SEC TH N 290 FT TH S 89 DEG 47 MIN 41 SEC W 44.59 FT TH N |
| 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 |
Source: Genesee County records, as of October 2, 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 Record |
|---|---|
| Mailing Address | 11446 COOK RD, GAINES, MI 48436-9779 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 18, 2010 · Amount on Record |
| Deed Sale | Nov 18, 2010 · Amount on Record |
| Deed Document Number | 201077694 |
| Prior Transfer Date | Jun 15, 2010 |
| Prior Transfer Doc | 0000051279 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 11446 COOK RD, GAINES, MI 48436-9779 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001991 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 202101070001991 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
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 | $296,800 (+5.96%) Land $42,300 Building $254,500 | $593,600 (+5.96%) Land $84,600 Building $509,000 | |
| 2025 | $5,403.00 (+3.39%) Homeowner's exemption | $280,100 (+10.23%) | $560,200 (+10.23%) |
| 2024 | $5,226.00 (+30.49%) | ||
| 2023 | $254,100 | $508,200 | |
| 2019 | $4,005.00 |
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 | 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.
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 |
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