Genesee County property record for 12428 Williams Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,626 sqft · built 1975 |
| Lot Size | 2.39 acres (104,108 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,065 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-07-100-003 |
| Primary APN | 01-07-100-003 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,626 sqft Living Area |
| 1st Floor Area | 1,616 sqft |
| Basement Area | 1,436 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Lot Area | 104,108 sqft (2.39 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12428 WILLIAMS RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | A PARCEL OF LAND BEG S 89 DEG 23 MIN 30 SEC E 802.17 FT FROM W 1/4 COR OF SEC TH S 89 DEG 23 MIN 30 SEC E 257.67 FT TH N 0 |
| Legal Range | 05E |
| Legal Township | 05N |
| Legal Section | 07 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | ARGENTINE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 13001 |
Source: Genesee County records, as of May 27, 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 | 12428 WILLIAMS RD, GAINES, MI 48436-8912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Nov 12, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage DORT FINANCIAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 6, 2020 |
| Transfer Doc | 0000077234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jul 6, 2026 |
| Property Address | 12428 WILLIAMS RD, GAINES, MI 48436-8912 |
| Document Number | 0000040636 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202640636 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12428 WILLIAMS RD, GAINES, MI 48436-8912 |
| Document Number | 0000040636, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 202640636 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 3, 2036 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Nov 12, 2020 |
| Property Address | 12428 WILLIAMS RD, GAINES, MI 48436-8912 |
| Document Number | 202011120077234 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 202011120077234 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12428 WILLIAMS RD, GAINES, MI 48436-8912 |
| Document Number | 202011120077235 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 202011120077235 |
| Name | DORT FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2035 |
Source: Genesee County assessment roll, as of October 3, 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,065.00 (-69.07%) Homeowner's exemption | $160,700 (+16.36%) | $321,400 (+16.36%) |
| 2024 | $3,443.00 (+43.22%) | ||
| 2023 | $138,100 | $276,200 | |
| 2019 | $2,404.00 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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