Genesee County property record for 12085 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,518 sqft · built 1965 |
| Lot Size | 9 acres (392,040 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $400 (2025) |
| Deeds & Mortgages | Dec 2022 Sale Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-30-200-014 |
| Primary APN | 10-30-200-014 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 972 sqft |
| Basement Area | 468 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Lot Area | 392,040 sqft (9 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12085 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 826 FT FROM NE COR OF SEC TH S 314 FT TH E 155.72 FT TH S 1011.75 FT TH N 89 DEG 15 |
| 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 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12085 COOK RD, GAINES, MI 48436-9786 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2022 | Redemption Deed, Transfer |
| Dec 8, 2022 | Warranty Deed, Transfer · VA Mortgage MORTGAGE 1 INC |
| Aug 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2025 |
| Deed Sale | Feb 5, 2025 |
| Prior Sale | Dec 8, 2022 · Amount on Record |
| Deed Document Number | 202502055106 |
| Prior Transfer Date | Jan 14, 2025 |
| Prior Transfer Doc | 0000005106 |
| Record Updated | Oct 29, 2026 |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Dec 8, 2022 |
| Property Address | 12085 COOK RD, GAINES, MI 48436-9786 |
| Document Number | 0000075315 |
| Instrument Date | Dec 6, 2022 |
| Instrument | 202212080075315 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Redemption Amount |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Dec 8, 2022 |
| Property Address | 12085 COOK RD, GAINES, MI 48436-9786 |
| Document Number | 0000075190 |
| Instrument Date | Nov 29, 2022 |
| Instrument | 202212080075190 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2023 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,792.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12085 COOK RD, GAINES, MI 48436-9786 |
| Name | Verified Name |
|---|---|
| Address | 3160 FISK RD, HOWELL, MI 48843-7824 |
| Document Number | 0000074023 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 202211300074023 |
| Name | MORTGAGE 1 INC |
|---|---|
| Type | Mortgage Company |
| Address | STERLING HEIGHTS, MI 48314 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Aug 21, 2020 |
| Property Address | 12085 COOK RD, GAINES, MI 48436-9786 |
| Document Number | 202008210058515 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 202008210058515 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,814.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12085 COOK RD, 12085, GAINES, MI 48436-9786 |
| Name | Verified Name |
|---|---|
| Address | 5116 MORRISH RD, SWARTZ CREEK, MI 48473-1327 |
| Document Number | 202008210058273 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 202008210058273 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $134,900 (+6.14%) Land $39,500 Building $95,400 | $269,800 (+6.14%) Land $79,000 Building $190,800 | |
| 2025 | $400.00 (+17.65%) Homeowner's exemption | $127,100 | $254,200 |
| 2024 | $340.00 (-83.88%) | ||
| 2019 | $2,109.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 85% 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 / 1,000 |
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