12172 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 12172 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,086 sqft · built 1976
Lot Size	1.08 acres (47,263 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,500 (Feb 2016)
Tax Bill	$1,983 (2025)
Deeds & Mortgages	Oct 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-31-578-007`

Property Details

APN / Parcel Number

Primary APN	`10-31-578-007`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,086 sqft Living Area
1st Floor Area	996 sqft
Basement Area	996 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	47,263 sqft (1.08 acres)
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	12172 RAY RD
City	GAINES
State	MI
Zip	48436-8920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 12.5 FT OF LOT 4 & LOT 5 JONES ACRES (11) SPLIT/COMBINE ON 12/20/2010 FROM 10-31-578-005, 10-31-578-006;
Legal Subdivision	JONES ACRES SUBDIVISION
Legal Lot Number	4-5
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2051
Census Tract	12801

Owner

Source: Genesee County records, as of October 22, 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	12172 RAY RD, GAINES, MI 48436-8920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2016 · Amount on Record
Deed Sale	Feb 23, 2016 · Amount on Record
Prior Sale	Jul 10, 2015 · Amount on Record
Deed Document Number	20169781
Last Transfer Date	Oct 1, 2026
Transfer Doc	0000056144
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 2, 2026
Property Address	12172 RAY RD, GAINES, MI 48436-8920
Document Number	0000056144
Instrument Date	Oct 1, 2026
Instrument	2026100156144
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12172 RAY RD, GAINES, MI 48436-8920

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Gaines Township
Municipality	Gaines Village
Unified School District	Swartz Creek Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,600 (+7.85%) Land $19,000 Building $78,600	$195,200 (+7.85%) Land $38,000 Building $157,200
2025	$1,983.00 (+2.69%) Homeowner's exemption	$90,500 (+13.55%)	$181,000 (+13.55%)
2024	$1,931.00 (+39.62%)
2023		$79,700	$159,400
2019	$1,383.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VILLAGE OF BYRON serves 581 people · EPA ID MI0001020
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20