Genesee County property record for 302 Genesee Ave, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 2,126 sqft · built 1915 |
| Lot Size | 0.303 acres (13,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (Apr 2006) |
| Tax Bill | $1,951 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-31-577-029 |
| Primary APN | 10-31-577-029 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,126 sqft Living Area |
| 1st Floor Area | 1,072 sqft |
| Basement Area | 1,054 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Lot Area | 13,199 sqft (0.303 acres) |
| Lot Dimensions | 110 ft deep x 120 ft wide |
| Garage Area | 851 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 302 GENESEE AVE |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-8947 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1 2 AND 3 BLK 8 VILLAGE OF GAINES |
| Legal Subdivision | THE VILLAGE OF GAINES |
| Legal Block | 8 |
| Legal Lot Number | 1-2 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 12801 |
302 Genesee Ave is owned and occupied by two individuals who acquired it in November 2009.
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 File |
|---|---|
| Mailing Address | 302 GENESEE AVE, GAINES, MI 48436-8947 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CREDIT UNION |
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2006 · Amount on File |
| Deed Sale | Apr 21, 2006 · Amount on File |
| Deed Document Number | 200640288 |
| Last Transfer Date | Nov 18, 2009 |
| Transfer Doc | 0000074311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jul 14, 2026 |
| Property Address | 302 GENESEE AVE, GAINES, MI 48436-8947 |
| Document Number | 0000042634 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202642634 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | LIBERTY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000042634, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 202642634 |
| Name | FINANCIAL PLUS CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 302 GENESEE AVE, GAINES, MI 48436-8947 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 302 GENESEE AVE, GAINES, MI 48436-8947 |
| Document Number | 202109140073974 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 202109140073974 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 302 Genesee Ave was $1,951 with a homeowner's exemption, up 2.7% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Municipality | Gaines Village |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $117,700 (+25.21%) Land $5,300 Building $112,400 | $235,400 (+25.21%) Land $10,600 Building $224,800 | |
| 2025 | $1,951.00 (+2.68%) Homeowner's exemption | $94,000 | $188,000 |
| 2024 | $1,900.00 | ||
| 2023 | $91,600 | $183,200 | |
| 2019 | $1,348.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 302 Genesee Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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.
Wildfire risk around 302 Genesee Ave is low, with less than 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 95% of the US · lower than 89% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VILLAGE OF BYRON serves 581 people · EPA ID MI0001020 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 141 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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