5188 Ray Rd, Linden, MI 48451 Property Records

Genesee County property record for 5188 Ray Rd, Linden, MI 48451

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,077 sqft · built 1966
Lot Size	0.468 acres (20,386 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Feb 2023)
Tax Bill	$3,031 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-32-576-006`

Property Details

APN / Parcel Number

Primary APN	`15-32-576-006`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,077 sqft Living Area
1st Floor Area	995 sqft
Basement Area	960 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	449 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5188 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 6 LAKEWOOD SUB
Legal Subdivision	LAKEWOOD SUB
Legal Lot Number	6
Jurisdiction	GENESEE MI
Township / Civil Division	MUNDY
Census Block Group	1
Census Block	1042
Census Tract	12907

Owner

5188 Ray Rd is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5188 RAY RD, LINDEN, MI 48451-8459
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 16, 2021	Deed of Trust, Mortgage · FHA Mortgage LEGACY MORTGAGE
Sep 21, 2021	Warranty Deed, Transfer SELECT TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Sep 21, 2021 · Amount on File
Deed Document Number	20238978
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	5188 RAY RD, LINDEN, MI 48451-8459
Transaction Type	Mortgage
Record Updated	Feb 7, 2024
Title Company	LIBERTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5188 RAY RD, LINDEN, MI 48451-8459

Mortgage

Document Number	0000004303
Date	Jan 31, 2024
Instrument	202401310004303

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Feb 28, 2023
Property Address	5188 RAY RD, LINDEN, MI 48451-8459
Document Number	0000008978
Map Reference	LB 43 PG 27
Instrument Date	Feb 21, 2023
Instrument	202302280008978
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	ATA NATIONAL TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5188 RAY RD, LINDEN, MI 48451-8459

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5541 NEWBERRY RD, DURAND, MI 48429-9172

Mortgage

Document Number	0000007742
Date	Feb 22, 2023
Instrument	202302220007742

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	5188 RAY RD, LINDEN, MI 48451-8459
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15284 HOGAN RD, LINDEN, MI 48451-8651

Mortgage

Document Number	0000074604
Date	Sep 16, 2021
Instrument	202109160074604

Lender

Name	LEGACY MORTGAGE
Type	Mortgage Company
Address	GRAND BLANC, MI 48439

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Sep 21, 2021
Property Address	5188 RAY RD, LINDEN, MI 48451-8459
Document Number	202109210075797
Map Reference	LB 43 PG 27
Instrument Date	Sep 13, 2021
Instrument	202109210075797
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	SELECT TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,857.60
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15284 HOGAN RD, LINDEN, MI 48451-8651

Tax Assessment & Valuation

The 2025 property tax bill for 5188 Ray Rd was $3,031 with a homeowner's exemption, up 1.7% from the year before.

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		$83,900 (+4.35%)	$167,800 (+4.35%)
2025	$3,031.00 (+1.71%) Homeowner's exemption	$80,400	$160,800
2024	$2,980.00
2023		$68,800	$137,600
2016	$1,358.00

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

FEMA maps place 5188 Ray Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 5188 Ray Rd is low, with 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 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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