12433 Baldwin Rd, Gaines, MI 48436 Property Records

Genesee County property record for 12433 Baldwin Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,145 sqft · built 2002
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jun 2018)
Tax Bill	$4,950 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-31-100-009`

Property Details

APN / Parcel Number

Primary APN	`10-31-100-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,145 sqft Living Area
1st Floor Area	1,430 sqft
Basement Area	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	222,156 sqft (5.1 acres)
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12433 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 607 FT FROM NW COR OF SEC, TH E 164.26 FT TH S 1412.59 FT TH N 53 DEG 48 MIN 05 SEC W 203.55 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, 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	2 Individual Names on Record
Mailing Address	12433 BALDWIN RD, GAINES, MI 48436-9702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage ELGA CREDIT UNION
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage TOWNE MORTGAGE CO
Jun 25, 2018	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Deed Document Number	201873289
Prior Transfer Date	Oct 29, 1998
Prior Transfer Doc	0000001769
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12433 BALDWIN RD, GAINES, MI 48436-9702
Transaction Type	Mortgage
Record Updated	Aug 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12433 BALDWIN RD, GAINES, MI 48436-9702

Mortgage

Document Number	0000057937
Date	Aug 22, 2022
Instrument	202208220057937

Lender

Name	ELGA CREDIT UNION
Type	Credit Union
Address	GRAND BLANC, MI 48439

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 17, 2037

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12433 BALDWIN RD, GAINES, MI 48436-9702
Transaction Type	Mortgage
Record Updated	Dec 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12433 BALDWIN RD, GAINES, MI 48436-9702

Mortgage

Document Number	0000085414
Date	Nov 3, 2021
Instrument	202111030085414

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Jun 25, 2018
Property Address	12433 BALDWIN RD, GAINES, MI 48436-9702
Document Number	201806250073289
Instrument Date	Jun 15, 2018
Instrument	201806250073289
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,451.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10368 VAN VLEET RD, 10368, GAINES, MI 48436-9632

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12433 BALDWIN RD, GAINES, MI 48436-9702

Mortgage

Document Number	201806250073290
Date	Jun 25, 2018
Instrument	201806250073290

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$208,500 (+6.27%) Land $28,800 Building $179,700	$417,000 (+6.27%) Land $57,600 Building $359,400
2025	$4,950.00 (+2.44%) Homeowner's exemption	$196,200 (+8.94%)	$392,400 (+8.94%)
2024	$4,832.00 (+29.72%)
2023		$180,100	$360,200
2019	$3,725.00

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

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	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

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 16 locations within half a mile, as of December 31, 2025

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

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

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