Genesee County property record for 202 E Lord St, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 4,368 sqft · built 1900 |
| Lot Size | 0.276 acres (12,023 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $997 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-31-577-215 |
| Primary APN | 10-31-577-215 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,368 sqft Living Area |
| 1st Floor Area | 2,189 sqft |
| Basement Area | 2,189 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 12,023 sqft (0.276 acres) |
| Lot Dimensions | 120 ft deep x 100 ft wide |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 202 E LORD ST |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOTS 1 & 2 BLK 15 VILLAGE OF GAINES (08) FR 10-31-577-100 & 101 |
| Legal Subdivision | VILLAGE OF GAINES |
| Legal Block | 15 |
| Legal Lot Number | 1-2 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 12801 |
Source: Genesee County records · APN 10-31-577-215
Assessment roll updated October 3, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 202 E LORD ST, GAINES, MI 48436-8948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 09, 2006 |
| Transfer Doc | 0000072463 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 202 E LORD ST, GAINES, MI 48436-8948 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 202 E LORD ST, GAINES, MI 48436-8948 |
| Document Number | 202106240057488 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 202106240057488 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Apr 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 202 E LORD ST, GAINES, MI 48436-8948 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|---|
| Address | 202 E LORD ST, GAINES, MI 48436-8948 |
| Document Number | 202106140055188 |
|---|---|
| Date | Jun 14, 2021 |
| Instrument | 202106140055188 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 167 Months |
| Due | May 01, 2035 |
Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Municipality | Gaines Village |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $997.00 (-66.92%) Homeowner's exemption | $193,900 (+42.78%) | $387,800 (+42.78%) |
| 2024 | $3,014.00 (+62.13%) | ||
| 2023 | $135,800 | $271,600 | |
| 2019 | $1,859.00 |
Source: FEMA National Flood Hazard Layer as of February 19, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 95% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 141 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | VILLAGE OF BYRON serves 581 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | Radium resolved · Oct 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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