Genesee County property record for 12433 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,396 sqft · built 1978 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $181,500 (Jan 2006) |
| Tax Bill | $3,519 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-30-100-002 |
| Primary APN | 10-30-100-002 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,396 sqft Living Area |
| 1st Floor Area | 1,396 sqft |
| Basement Area | 1,284 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 1,728 sqft |
| Parking Spaces | 6 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 12433 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-1 |
| Legal Description | A PARCEL OF LAND BEG N 89 DEG 30 MIN E 495 FT FROM NW COR OF SEC TH N 89 DEG 30 MIN E 200 FT TH S 1 DEG 12 MIN 45 SEC E |
| 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 | 12433 COOK RD, GAINES, MI 48436-9704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2006 · Amount on Record |
| Deed Sale | Jan 3, 2006 · Amount on Record |
| Deed Document Number | 2006103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 12433 COOK RD, GAINES, MI 48436-9704 |
| Document Number | 0000057324 |
| Instrument Date | Aug 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12433 COOK RD GAINES MI 484369704, GAINES, MI 48436-9704 |
| Document Number | 0000057324 |
|---|---|
| Date | Sep 3, 2019 |
| Instrument | 57324 |
| Name | PFCU |
|---|---|
| Address | PORTLAND, MI 48875 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $134,300 (+7.01%) Land $20,300 Building $114,000 | $268,600 (+7.01%) Land $40,600 Building $228,000 | |
| 2025 | $3,519.00 (+23.95%) Homeowner's exemption | $125,500 (+7.63%) | $251,000 (+7.63%) |
| 2024 | $2,839.00 (+36.29%) | ||
| 2023 | $116,600 | $233,200 | |
| 2019 | $2,083.00 |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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