12511 Duffield Rd, Gaines, MI 48436 Property Records

Genesee County property record for 12511 Duffield Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,697 sqft · built 1994
Lot Size	2.57 acres (111,949 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Aug 2022)
Tax Bill	$4,615 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-08-400-023`

Property Details

APN / Parcel Number

Primary APN	`01-08-400-023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,697 sqft Living Area
1st Floor Area	1,697 sqft
Basement Area	1,697 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	111,949 sqft (2.57 acres)
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12511 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 AT S 1/4 COR OF SEC TH N 0 DEG 23 MIN 13 SEC W 260 FT TH N 89 DEG 41 MIN 57 SEC E 432.16 FT TH S 0 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

12511 Duffield Rd is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	12511 DUFFIELD RD, GAINES, MI 48436-9739
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2025	Deed of Trust, Mortgage · FHA Mortgage CHURCHILL MORTGAGE CORP
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage VIBE CU
Mar 5, 2021	Deed of Trust, Mortgage · Commercial Mortgage CAPITOL NATIONAL BANK
Oct 21, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Sep 14, 2004 · Amount on File
Deed Document Number	202258254
Prior Transfer Date	Aug 15, 2001
Prior Transfer Doc	0000083950
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12511 DUFFIELD RD, GAINES, MI 48436-9739
Transaction Type	Mortgage
Record Updated	Oct 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12511 DUFFIELD RD, GAINES, MI 48436-9739

Mortgage

Document Number	0000013439
Date	Sep 24, 2025
Instrument	202509240013439

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Aug 23, 2022
Property Address	12511 DUFFIELD RD, GAINES, MI 48436-9739
Document Number	0000058254
Instrument Date	Aug 22, 2022
Instrument	202208230058254
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	SARGENTS TITLE COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12511 DUFFIELD RD, 12511, GAINES, MI 48436-9739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4471 DESERT BRIDGE CT, HIGHLAND, MI 48356-1044

Mortgage

Document Number	0000059435
Date	Aug 31, 2022
Instrument	202208310059435

Lender

Name	VIBE CU
Type	Credit Union
Address	44575

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	12511 DUFFIELD RD, GAINES, MI 48436-9739
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103050015663
Date	Mar 5, 2021
Instrument	202103050015663

Lender

Name	CAPITOL NATIONAL BANK
Type	Bank
Address	LANSING, MI 48933

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Oct 21, 2019
Property Address	12511 DUFFIELD RD, GAINES, MI 48436-9739
Document Number	201910210067024
Instrument Date	Oct 15, 2019
Instrument	201910210067024
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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
Address	12511 DUFFIELD RD, GAINES, MI 48436-9739

Tax Assessment & Valuation

The 2025 property tax bill for 12511 Duffield Rd was $4,615 with a homeowner's exemption, up 3.9% from the year before.

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		$164,300 (+7.74%) Land $12,900 Building $151,400	$328,600 (+7.74%) Land $25,800 Building $302,800
2025	$4,615.00 (+3.94%) Homeowner's exemption	$152,500	$305,000
2024	$4,440.00
2023		$131,400	$262,800
2019	$2,294.00

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

FEMA maps place 12511 Duffield Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12511 Duffield Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	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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