Genesee County property record for 12295 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,890 sqft · built 1999 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $361,000 (Jan 2022) |
| Tax Bill | $7,151 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-30-100-014 |
| Primary APN | 10-30-100-014 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 2,890 sqft Living Area |
| 1st Floor Area | 1,445 sqft |
| Basement Area | 1,445 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Lot Area | 65,340 sqft (1.5 acres) |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12295 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 S 89 DEG 09 MIN 52 SEC W 294.46 FT FROM N 1/4 COR OF SEC TH S 2 DEG 07 MIN 47 SEC E 350 FT TH S 89 DEG |
| 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 | 34714 FORMAN DR, STERLING HEIGHTS, MI 48310-5340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Jan 20, 2022 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2022 · Amount on Record |
| Deed Sale | Jan 20, 2022 · Amount on Record |
| Prior Sale | Apr 1, 2002 · Amount on Record |
| Deed Document Number | 20224084 |
| Prior Transfer Date | Sep 26, 2016 |
| Prior Transfer Doc | 0000069856 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12295 COOK RD, GAINES, MI 48436-9656 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12295 COOK RD, GAINES, MI 48436-9656 |
| Document Number | 0000015060 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 202510020015060 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 29, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jan 20, 2022 |
| Property Address | 12295 COOK RD, GAINES, MI 48436-9656 |
| Document Number | 0000004084 |
| Instrument Date | Jan 5, 2022 |
| Instrument | 202201200004084 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,707.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12295 COOK ROAD, 12295, ISLE SAINT GEORGE, OH 43436 |
| Name | Verified Name |
|---|---|
| Address | 34714 FORMAN DR, STERLING HEIGHTS, MI 48310-5340 |
| Document Number | 0000004085 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 202201200004085 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
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 | $210,600 (+7.39%) Land $18,900 Building $191,700 | $421,200 (+7.39%) Land $37,800 Building $383,400 | |
| 2025 | $7,151.00 (+7.24%) Homeowner's exemption | $196,100 (+6.52%) | $392,200 (+6.52%) |
| 2024 | $6,668.00 (+108.44%) | ||
| 2023 | $184,100 | $368,200 | |
| 2019 | $3,199.00 |
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 |
|---|---|
| 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 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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