Genesee County property record for 12247 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,932 sqft · built 2002 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Sep 2019) |
| Tax Bill | $7,060 (2025) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-30-200-015 |
| Primary APN | 10-30-200-015 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,932 sqft Living Area |
| 1st Floor Area | 2,932 sqft |
| Basement Area | 2,238 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Area | 1,278 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 12247 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-1 |
| Legal Description | A PARCEL OF LAND BEG N 88 DEG 45 MIN 22 SEC E 79.53 FT FROM N 1/4 COR OF SEC TH CONT N 88 DEG 45 MIN 22 SEC E 186.98 FT TH S |
| 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 |
12247 Cook Rd is owned and occupied by an individual who bought it in September 2019.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12247 COOK RD, GAINES, MI 48436-9656 |
| 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 |
|---|---|
| Dec 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MICHIGAN SCHOOLS & GOVERNMENT CU |
| Sep 19, 2019 | Warranty Deed, Transfer · Conventional with PMI LAKE MI CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2019 · Amount on File |
| Deed Sale | Sep 19, 2019 · Amount on File |
| Prior Sale | Dec 3, 2014 · Amount on File |
| Deed Document Number | 201960798 |
| Prior Transfer Date | May 10, 2012 |
| Prior Transfer Doc | 0000048276 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12247 COOK RD, GAINES, MI 48436-9656 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12247 COOK RD, GAINES, MI 48436-9656 |
| Document Number | 0000062628 |
|---|---|
| Date | Dec 13, 2023 |
| Instrument | 202312130062628 |
| Name | MICHIGAN SCHOOLS & GOVERNMENT CU |
|---|---|
| Type | Credit Union |
| Address | TROY, MI 48098 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 19, 2019 |
| Property Address | 12247 COOK RD, GAINES, MI 48436-9656 |
| Document Number | 0000060798 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 60798 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2019 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,225.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7581 LIONS GATE PKWY DAVISON MI 484233708, DAVISON, MI 48423-3708 |
| Document Number | 60799 |
|---|---|
| Date | Sep 19, 2019 |
| Instrument | 60799 |
| Name | LAKE MI CU |
|---|---|
| Type | Credit Union |
| Address | GRAND RAPIDS, MI 49501 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2049 |
The 2025 property tax bill for 12247 Cook Rd was $7,060 with a homeowner's exemption, up 2.8% 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 | $243,800 (+6.93%) Land $18,900 Building $224,900 | $487,600 (+6.93%) Land $37,800 Building $449,800 | |
| 2025 | $7,060.00 (+2.78%) Homeowner's exemption | $228,000 | $456,000 |
| 2024 | $6,869.00 | ||
| 2023 | $214,300 | $428,600 | |
| 2019 | $3,736.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12247 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 12247 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 97% of the US · lower than 93% 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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