Genesee County property record for 11479 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,538 sqft · built 1900 |
| Lot Size | 5.16 acres (224,770 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,689 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Apr 2023 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-05-100-022 |
| Primary APN | 01-05-100-022 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Building Area | 2,538 sqft Living Area |
| 1st Floor Area | 1,450 sqft |
| Basement Area | 540 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 224,770 sqft (5.16 acres) |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 11479 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | A PARCEL OF LAND BEG AT NW COR OF SEC TH S 89 DEG 37 MIN 08 SEC E 350 FT TH S 0 DEG 03 MIN 10 SEC E 643 FT TH N 89D EG 37 MIN |
| Legal Range | 05E |
| Legal Township | 05N |
| Legal Section | 05 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | ARGENTINE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 13001 |
11479 Ray Rd is owned and occupied by an individual who acquired it in December 2019.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11479 RAY RD, GAINES, MI 48436-8902 |
| 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 |
|---|---|
| May 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU |
| Apr 4, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCIAL PLUS CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 31, 2019 |
| Transfer Doc | 0000079265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 11479 RAY RD, GAINES, MI 48436-8902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 11479 RAY RD, GAINES, MI 48436-8902 |
| Document Number | 0000040374 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 202205180040374 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 28, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 11479 RAY RD, GAINES, MI 48436-8902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Title Company | MID-STATE TITLE SERVICES INC, MID STATE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 11479 RAY RD, GAINES, MI 48436-8902 |
| Document Number | 0000014886 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 202304040014886 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48507 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2038 |
The 2025 property tax bill for 11479 Ray Rd was $2,689 with a homeowner's exemption, up 0.9% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Byron Area Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $137,300 (+3.08%) Land $24,500 Building $112,800 | $274,600 (+3.08%) Land $49,000 Building $225,600 | |
| 2025 | $2,689.00 (+0.94%) Homeowner's exemption | $133,200 | $266,400 |
| 2024 | $2,664.00 | ||
| 2023 | $121,200 | $242,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11479 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 risk around 11479 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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