12361 Duffield Rd, Gaines, MI 48436 Property Records

Genesee County property record for 12361 Duffield Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1996
Lot Size	10.1 acres (439,956 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2025)
Tax Bill	$4,775 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-08-400-009`

Property Details

APN / Parcel Number

Primary APN	`01-08-400-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
1st Floor Area	1,304 sqft
Basement Area	1,304 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	439,956 sqft (10.1 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	12361 DUFFIELD RD
City	GAINES
State	MI
Zip	48436-9739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	A PARCEL OF LAND BEG N 0 DEG 23 MIN 13 SEC W 1631.41 FT FROM S 1/4 COR OF SEC TH N 0 DEG 23 MIN 13 SEC W 177 FT TH N 89 DEG
Legal Range	05E
Legal Township	05N
Legal Section	08
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1013
Census Tract	13001

Owner

Source: Genesee County records, as of October 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	5424 COOK RD, SWARTZ CREEK, MI 48473-9170
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 27, 2025	Warranty Deed, Transfer · Conventional Mortgage DORT FINANCIAL CU
Feb 25, 2021	Intrafamily Transfer, Transfer · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 30, 2019	Warranty Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Feb 25, 2021
Deed Document Number	202519335
Prior Transfer Date	Feb 12, 2021
Prior Transfer Doc	0000013261
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12361 DUFFIELD RD, GAINES, MI 48436-9739
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12361 DUFFIELD RD, GAINES, MI 48436-9739

Mortgage

Document Number	0000041634
Date	May 25, 2022
Instrument	202205250041634

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Mar 1, 2051

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 27, 2025
Property Address	12361 DUFFIELD RD, GAINES, MI 48436-9739
Document Number	0000019335
Instrument Date	Oct 24, 2025
Instrument	202510270019335
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12361 DUFFIELD RD, GAINES, MI 48436-9739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5424 COOK RD, SWARTZ CREEK, MI 48473-9170

Mortgage

Document Number	0000019498
Date	Oct 27, 2025
Instrument	202510270019498

Lender

Name	DORT FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Feb 25, 2021
Property Address	12361 DUFFIELD RD, GAINES, MI 48436-9739
Document Number	202102250013261
Instrument Date	Feb 12, 2021
Instrument	202102250013261
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12361 DUFFIELD RD, GAINES, MI 48436-9739

Mortgage

Document Number	202102250013262
Date	Feb 25, 2021
Instrument	202102250013262

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 30, 2019
Property Address	12361 DUFFIELD RD, GAINES, MI 48436-9739
Document Number	201904300021721
Instrument Date	Apr 25, 2019
Instrument	201904300021721
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	TRANSNATION TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,119.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12361 DUFFIELD RD, 12361, GAINES, MI 48436-9739

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8405 N DORT HWY, MOUNT MORRIS, MI 48458-1212

Mortgage

Document Number	201904300021722
Date	Apr 30, 2019
Instrument	201904300021722

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Argentine Township
Unified School District	Byron Area Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$181,300 (+5.78%) Land $47,400 Building $133,900	$362,600 (+5.78%) Land $94,800 Building $267,800
2025	$4,775.00 (+4.03%) Homeowner's exemption	$171,400 (+15.5%)	$342,800 (+15.5%)
2024	$4,590.00 (+61.17%)
2023		$148,400	$296,800
2019	$2,848.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	2 in force

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 93% of the US · lower than 83% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Frontier.

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