5176 Ray Rd, Linden, MI 48451 Property Records

Genesee County property record for 5176 Ray Rd, Linden, MI 48451

Property Summary

Property Type	Single Family Home
Details	1 ba · 938 sqft · built 1966
Lot Size	0.468 acres (20,386 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Sep 2026)
Tax Bill	$2,580 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-32-576-007`

Property Details

APN / Parcel Number

Primary APN	`15-32-576-007`

Interior

Full Baths	1 Bath
Building Area	938 sqft Living Area
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Lot Area	20,386 sqft (0.468 acres)
Lot Dimensions	170 ft deep x 120 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5176 RAY RD
City	LINDEN
State	MI
Zip	48451-8459
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Legal Description	LOT 7 LAKEWOOD SUB
Legal Subdivision	LAKEWOOD SUB
Legal Lot Number	7
Jurisdiction	GENESEE MI
Township / Civil Division	MUNDY
Census Block Group	1
Census Block	1042
Census Tract	12907

Owner

Source: Genesee County records, as of October 22, 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 Record
Mailing Address	274 CREEKWOOD CIR, LINDEN, MI 48451-9104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Warranty Deed, Transfer CISLO TITLE, CISLO TITLE COMPANY
Jun 23, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 29, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Feb 26, 2020	Warranty Deed, Transfer · FHA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Feb 26, 2020 · Amount on Record
Deed Document Number	2026093055830
Prior Transfer Date	Mar 21, 2002
Prior Transfer Doc	0000042027
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 30, 2026
Property Address	5176 RAY RD, LINDEN, MI 48451-8459
Document Number	0000055830
Instrument Date	Sep 25, 2026
Instrument	2026093055830
Transaction Type	Transfer
Record Updated	Oct 22, 2026
Title Company	CISLO TITLE, CISLO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$204,121.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 CREEKWOOD CIR, LINDEN, MI 48451-9104

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	5176 RAY RD, LINDEN, MI 48451-8459
Transaction Type	Mortgage
Record Updated	Sep 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5176 RAY RD, LINDEN, MI 48451-8459

Mortgage

Document Number	202106230057036
Date	Jun 23, 2021
Instrument	202106230057036

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	5176 RAY RD, LINDEN, MI 48451-8459
Document Number	0000059669
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5176 RAY RD LINDEN MI 484518459, LINDEN, MI 48451-8459

Mortgage

Document Number	0000059669
Date	Aug 28, 2020
Instrument	59669

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Feb 26, 2020
Property Address	5176 RAY RD, LINDEN, MI 48451-8459
Document Number	0000010842
Instrument Date	Feb 24, 2020
Instrument	10842
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	CISLO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1753 BRISTOL DR MILFORD MI 483802032, MILFORD, MI 48380-2032

Mortgage

Document Number	10843
Date	Feb 26, 2020
Instrument	10843

Lender

Name	CASON HM LNS
Type	Funding / Finance Company
Address	PALM BEACH GARDENS, FL 33408

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Mundy Township
Unified School District	Linden Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$77,300 (+4.18%)	$154,600 (+4.18%)
2025	$2,580.00 (+1.57%) Homeowner's exemption	$74,200 (+16.85%)	$148,400 (+16.85%)
2024	$2,540.00 (+101.75%)
2023		$63,500	$127,000
2016	$1,259.00

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1981 · rainfall accumulation

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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