Genesee County property record for 12043 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,160 sqft · built 1977 |
| Lot Size | 0.74 acres (32,234 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $209,000 (Jan 2024) |
| Tax Bill | $3,519 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2024 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-30-200-006 |
| Primary APN | 10-30-200-006 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Lot Area | 32,234 sqft (0.74 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12043 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9786 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | A PARCEL OF LAND BEG N 89 DEG 10 MIN W 330 FT FROM NE COR OF SEC TH N 89 DEG 10 MIN W 110 FT TH S 220 FT TH S 89 DEG 10 MIN E |
| Legal Range | 05E |
| Legal Township | 06N |
| Legal Section | 30 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2006 |
| 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 | 12043 COOK RD, GAINES, MI 48436-9786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2024 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU |
| Jan 25, 2024 | Warranty Deed, Transfer TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Aug 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 25, 2024 · Amount on Record |
| Deed Sale | Jan 25, 2024 · Amount on Record |
| Prior Sale | Nov 26, 2002 · Amount on Record |
| Deed Document Number | 20243220 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2024 |
| Title Company | TRANSNATION TITLE AGENCY/MI, TRANSNATION TTL AGCY MASON B |
| Name | Verified Name |
|---|---|
| Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Document Number | 0000010465 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 202403110010465 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jan 25, 2024 |
| Property Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Document Number | 0000003220 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 202401250003220 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,567.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Name | Verified Name |
|---|---|
| Address | 14245 COLE RD, LINDEN, MI 48451-9743 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Document Number | 0000055902 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 202208100055902 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12043 COOK RD, GAINES, MI 48436-9786 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000962 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 201701050000962 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 1, 2031 |
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 | $105,500 (+7.43%) Land $13,000 Building $92,500 | $211,000 (+7.43%) Land $26,000 Building $185,000 | |
| 2025 | $3,519.00 (+61.05%) Homeowner's exemption | $98,200 (+13.66%) | $196,400 (+13.66%) |
| 2024 | $2,185.00 (+40.06%) | ||
| 2023 | $86,400 | $172,800 | |
| 2019 | $1,560.00 |
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.
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 94% of the US · lower than 87% 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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