1520 Gainey Ave, Flint, MI 48503 Property Records

Genesee County property record for 1520 Gainey Ave, Flint, MI 48503

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,202 sqft · built 1939
Lot Size	0.159 acres (6,926 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,000 (Mar 2025)
Tax Bill	$1,617 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`40-23-212-015`

Property Details

APN / Parcel Number

Primary APN	`40-23-212-015`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,202 sqft Living Area
1st Floor Area	815 sqft
Basement Area	775 sqft
Unfinished Basement	775 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Wood Siding
Lot Area	6,926 sqft (0.159 acres)
Lot Dimensions	144 ft deep x 48 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1520 GAINEY AVE
City	FLINT
State	MI
Zip	48503-3566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN-2
Legal Description	WESTLAWN SUBDIVISION LOT 126
Legal Subdivision	WESTLAWN SUBDIVISION
Legal Lot Number	126
Jurisdiction	GENESEE MI
Township / Civil Division	FLINT
Census Block Group	4
Census Block	4017
Census Tract	3700

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1520 GAINEY AVE, FLINT, MI 48503-3566
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage SECURED INVESTMENT CORP
Apr 2, 2025	Intrafamily Transfer, Transfer SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC
Mar 29, 2025	Warranty Deed, Transfer · FHA Mortgage NEXA MORTGAGE LLC
Oct 13, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 12, 2020	Warranty Deed, Transfer · Line of Credit DORT FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2025 · Amount on Record
Deed Sale	Mar 29, 2025 · Amount on Record
Prior Sale	Oct 12, 2020 · Amount on Record
Deed Document Number	202512936
Prior Transfer Date	Mar 24, 2025
Prior Transfer Doc	0000015634
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1520 GAINEY AVE, FLINT, MI 48503-3566
Transaction Type	Mortgage
Record Updated	Oct 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038916
Date	May 11, 2022
Instrument	202205110038916

Lender

Name	SECURED INVESTMENT CORP
Type	Non-Lending Institution
Address	COEUR D ALENE, ID 83814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Apr 2, 2025
Property Address	1520 GAINEY AVE, FLINT, MI 48503-3566
Document Number	0000015634
Map Reference	MB 5 PG 36
Instrument Date	Mar 24, 2025
Instrument	202504020015634
Transaction Type	Transfer
Record Updated	Oct 3, 2025
Title Company	SARGENTS TITLE COMPANY, SARGENTS TITLE COMPANY LLC

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
Relationship	Joint Tenants with Right of Survivorship
Address	1520 GAINEY AVE, FLINT, MI 48503-3566

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Mar 29, 2025
Property Address	1520 GAINEY AVE, FLINT, MI 48503-3566
Document Number	0000012936
Map Reference	MB 5 PG 36
Instrument Date	Mar 24, 2025
Instrument	202503290012936
Transaction Type	Transfer
Record Updated	Oct 3, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3316 WILMAN DR, CLIO, MI 48420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1520 GAINEY AVE, FLINT, MI 48503-3566

Mortgage

Document Number	0000012431
Date	Mar 29, 2025
Instrument	202503250012431

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	1520 GAINEY AVE, FLINT, MI 48503-3566
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065796
Date	Oct 13, 2017
Instrument	201710130065796

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 15, 2047

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Oct 12, 2020
Property Address	1520 GAINEY AVE, FLINT, MI 48503-3566
Document Number	202010120070016
Map Reference	MB 5 PG 36
Instrument Date	Oct 7, 2020
Instrument	202010120070016
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MASON BURGESS TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$493.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3342 INE VILA CT, 3342, FLUSHING, MI 48433

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 WILMAN DR, CLIO, MI 48420-1927

Mortgage

Document Number	202010120070017
Date	Oct 12, 2020
Instrument	202010120070017

Lender

Name	DORT FINANCIAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2025

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
Municipality	Flint City
Unified School District	Flint City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,000 (+6.27%)	$78,000 (+6.27%)
2025	$1,617.00 (-20.7%) Homeowner's exemption	$36,700 (+37.45%)	$73,400 (+37.45%)
2024	$2,039.00
2023		$26,700	$53,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 19, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF FLINT serves 81,252 people · EPA ID MI0002310
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 858 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, Verizon.

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