12413 Baldwin Rd, Gaines, MI 48436 Property Records

Genesee County property record for 12413 Baldwin Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,316 sqft · built 1995
Lot Size	10.1 acres (439,956 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Dec 2018)
Tax Bill	$1,670 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-31-100-001`

Property Details

APN / Parcel Number

Primary APN	`10-31-100-001`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,316 sqft Living Area
1st Floor Area	1,230 sqft
Basement Area	1,086 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	439,956 sqft (10.1 acres)
Garage Area	1,108 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12413 BALDWIN RD
City	GAINES
State	MI
Zip	48436-9702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	A PARCEL OF LAND BEG E 771.26 FT FROM NW COR OF SEC, TH E 289.70 FT TH S 1624.61 FT TH N 53 DEG 48 MIN 05 SEC W 359 FT TH N
Legal Range	05E
Legal Township	06N
Legal Section	31
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2022
Census Tract	12801

Owner

Source: Genesee County records · APN 10-31-100-001

Assessment roll updated October 3, 2025 · Last verified July 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 File
Mailing Address	12413 BALDWIN RD, GAINES, MI 48436-9702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 04, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Aug 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADVISORS CAPITAL INC
Dec 04, 2018	Warranty Deed, Transfer · FHA Mortgage ADVISORS CAP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 04, 2018 · Amount on Record
Deed Sale	Dec 04, 2018 · Amount on Record
Prior Sale	Sep 12, 2006 · Amount on Record
Deed Document Number	2018100561
Prior Transfer Date	Nov 28, 2005
Prior Transfer Doc	0000116305
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12413 BALDWIN RD, GAINES, MI 48436-9702
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12413 BALDWIN RD, GAINES, MI 48436-9702

Mortgage

Document Number	0000014402
Date	Apr 04, 2024
Instrument	202404040014402

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 23, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12413 BALDWIN RD, GAINES, MI 48436-9702
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066704
Date	Oct 18, 2017
Instrument	201710180066704

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12413 BALDWIN RD, GAINES, MI 48436-9702
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	CISLO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054678
Date	Aug 04, 2020
Instrument	202008040054678

Lender

Name	ADVISORS CAPITAL INC
Type	Non-Lending Institution
Address	NOVI, MI 48375

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Dec 04, 2018
Property Address	12413 BALDWIN RD, GAINES, MI 48436-9702
Document Number	0000100561
Instrument Date	Nov 30, 2018
Instrument	100561
Transaction Type	Transfer
Record Updated	Dec 24, 2018
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,537.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4387 HOWE RD GRAND BLANC MI 484397948, GRAND BLANC, MI 48439-7948

Mortgage

Document Number	100562
Date	Dec 04, 2018
Instrument	100562

Lender

Name	ADVISORS CAP
Type	Funding / Finance Company
Address	NOVI, MI 48375

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 03, 2048

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,670.00 (-66.01%) Homeowner's exemption	$181,600 (+12.94%)	$363,200 (+12.94%)
2024	$4,913.00 (+29.66%)
2023		$160,800	$321,600
2019	$3,789.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 19, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile USA Fixed Wireless	25 / 3

May also be available: AT&T, Frontier, Lennon Telephone Company, Spectrum.

Based on FCC filings for 16 locations within half a mile of this property.

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