Genesee County property record for 5438 Ray Rd, Linden, MI 48451
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,600 sqft · built 1971 |
| Lot Size | 5.05 acres (219,978 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Sep 2026) |
| Tax Bill | $3,860 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Aug 2026 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-32-300-008 |
| Primary APN | 15-32-300-008 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Lot Area | 219,978 sqft (5.05 acres) |
| Garage Area | 1,100 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 5438 RAY RD |
|---|---|
| City | LINDEN |
| State | MI |
| Zip | 48451-9400 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | A PARCEL OF LAND BEG 732.92 FT E OF SW COR OF SEC TH N 0 DEG 19 MIN 30 SEC W 1332.63 FT TH E 165 FT TH S 0 DEG 19 MIN 30 SEC |
| Legal Range | 06E |
| Legal Township | 06N |
| Legal Section | 32 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | MUNDY |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 12907 |
5438 Ray Rd is owned and occupied by two individuals who bought it in September 2026.
Source: Genesee County records, as of October 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 973 CALLAWAY CT, HOWELL, MI 48843-5211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage DART BANK |
| Aug 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK |
| Jul 14, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK |
| Feb 19, 2020 | Loan Modification, Mortgage · FHA Mortgage PLANET HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2026 · Amount on File |
| Deed Sale | Sep 30, 2026 · Amount on File |
| Prior Sale | Dec 9, 2015 · Amount on File |
| Deed Document Number | 2026093055869 |
| Prior Transfer Date | Apr 18, 2025 |
| Prior Transfer Doc | 0000029410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 30, 2026 |
| Property Address | 5438 RAY RD, LINDEN, MI 48451-9400 |
| Document Number | 0000055869 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 2026093055869 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2026 |
| Title Company | TITLE RESOURCE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $304,010.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 973 CALLAWAY CT, HOWELL, MI 48843-5211 |
| Document Number | 0000055772, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 2026092955772 |
| Name | DART BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Aug 12, 2026 |
| Property Address | 5438 RAY RD, LINDEN, MI 48451-9400 |
| Document Number | 0000046914 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202646914 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5438 RAY RD, LINDEN, MI 48451-9400 |
| Document Number | 0000046914, |
|---|---|
| Date | Aug 12, 2026 |
| Instrument | 202646914 |
| Name | FIRST STATE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 5 Months |
| Due | Jan 14, 2027 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jul 14, 2026 |
| Property Address | 5438 RAY RD, LINDEN, MI 48451-9400 |
| Document Number | 0000042604 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202642604 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5438 RAY RD, LINDEN, MI 48451-9400 |
| Document Number | 0000042604, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 202642604 |
| Name | FIRST STATE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Jan 14, 2027 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 5438 RAY RD, LINDEN, MI 48451-9400 |
| Document Number | 0000013938 |
| Instrument Date | Feb 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5438 RAY RD LINDEN MI 484519400, LINDEN, MI 48451-9400 |
| Document Number | 0000013938 |
|---|---|
| Date | Mar 10, 2020 |
| Instrument | 13938 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 9, 2050 |
| Rate | 4% |
|---|
The 2025 property tax bill for 5438 Ray Rd was $3,860 with a homeowner's exemption, up 2.1% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Mundy Township |
| Unified School District | Linden Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $150,600 (+4.44%) | $301,200 (+4.44%) | |
| 2025 | $3,860.00 (+2.14%) Homeowner's exemption | $144,200 | $288,400 |
| 2024 | $3,779.00 | ||
| 2023 | $118,300 | $236,600 | |
| 2016 | $2,728.00 |
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.
FEMA maps place 5438 Ray Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.
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 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 risk around 5438 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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