214 E Lord St, Gaines, MI 48436 Property Records

Genesee County property record for 214 E Lord St, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,260 sqft · built 1916
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Jan 2015)
Tax Bill	$485 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-31-577-214`

Property Details

APN / Parcel Number

Primary APN	`10-31-577-214`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Lot Area	17,424 sqft (0.4 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	214 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 3 & 4 BLK 15 & PART OF LOT 5 BLK 15 BEG AT NW COR OF LOT 5 TH E 36 FT TH S 106.5 FT TH W 15 FT TH S 13.50 FT TH W 21 FT
Legal Subdivision	VILLAGE OF GAINES
Legal Block	15
Legal Lot Number	3-5,8
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2047
Census Tract	12801

Owner

Source: Genesee County records · APN 10-31-577-214

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	Individual Name on File
Mailing Address	214 E LORD ST, GAINES, MI 48436-8948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 26, 2015 · Amount on Record
Deed Sale	Jan 26, 2015 · Amount on Record
Prior Sale	Dec 20, 2007 · Amount on Record
Deed Document Number	20154481
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	214 E LORD ST, GAINES, MI 48436-8948
Document Number	0000005718
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 22, 2019
Title Company	MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	214 E LORD ST GAINES MI 484368948, GAINES, MI 48436-8948

Mortgage

Document Number	0000005718
Date	Feb 06, 2019
Instrument	5718

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 05, 2029

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Gaines Township
Municipality	Gaines Village
Unified School District	Swartz Creek Community Schools (KG - 12)

Tax Bill & Assessment History

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	$485.00 (-69.23%) Homeowner's exemption	$68,900 (+6.33%)	$137,800 (+6.33%)
2024	$1,576.00 (+43.4%)
2023		$64,800	$129,600
2019	$1,099.00

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Drinking Water

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

Violations Reported to EPA

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.