Genesee County property record for 12196 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,620 sqft · built 1974 |
| Lot Size | 0.89 acres (38,768 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,348 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-19-400-004 |
| Primary APN | 10-19-400-004 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,004 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Foundation Type | Raised |
| Lot Area | 38,768 sqft (0.89 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12196 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9617 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | A PARCEL OF LAND BEG 597.25 FT E OF S 1/4 COR OF SEC TH N 200 FT TH E 150 FT TH S 200 FT TH W 150 FT TO PLACE OF BEG SEC 19 |
| Legal Range | 05E |
| Legal Township | 06N |
| Legal Section | 19 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 12801 |
12196 Cook Rd is owned and occupied by an individual.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12196 COOK RD, GAINES, MI 48436-9617 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 12196 Cook Rd was $2,348 with a homeowner's exemption, up 3.6% from the year before.
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 | $106,800 (+7.01%) Land $15,600 Building $91,200 | $213,600 (+7.01%) Land $31,200 Building $182,400 | |
| 2025 | $2,348.00 (+3.62%) Homeowner's exemption | $99,800 | $199,600 |
| 2024 | $2,266.00 | ||
| 2023 | $93,500 | $187,000 | |
| 2019 | $1,641.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12196 Cook Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 12196 Cook 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 96% of the US · lower than 91% 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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