7145 Smith Rd, Gaines, MI 48436 Property Records

Genesee County property record for 7145 Smith Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,674 sqft · built 1978
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,324 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-12-200-004`

Property Details

APN / Parcel Number

Primary APN	`01-12-200-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,674 sqft Living Area
1st Floor Area	1,038 sqft
Basement Area	492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Lot Area	105,851 sqft (2.43 acres)
Garage Area	1,396 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	7145 SMITH RD
City	GAINES
State	MI
Zip	48436-9750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	A PARCEL OF LAND BEG N 87 DEG 28 MIN 30 SEC E 1120 FT FROM N 1/4 COR OF SEC TH N 87 DEG 28 MIN 30 SEC E 200 FT TH S 530 FT TH
Legal Range	05E
Legal Township	05N
Legal Section	12
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1044
Census Tract	13001

Owner

Source: Genesee County records · APN 01-12-200-004

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	2 Individual Names on File
Mailing Address	7145 SMITH RD, GAINES, MI 48436-9750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage GENISYS CREDIT UNION
Oct 12, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 04, 2022
Transfer Doc	0000066661
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Recording Date	Jul 27, 2026
Property Address	7145 SMITH RD, GAINES, MI 48436-9750
Document Number	0000044550
Instrument Date	Jul 22, 2026
Instrument	202644550
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	7145 SMITH RD, GAINES, MI 48436-9750

Mortgage

Document Number	0000044550,
Date	Jul 27, 2026
Instrument	202644550

Lender

Name	GENISYS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 27, 2036

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Oct 12, 2022
Property Address	7145 SMITH RD, GAINES, MI 48436-9750
Document Number	0000066661
Instrument Date	Oct 04, 2022
Instrument	202210120066661
Transaction Type	Transfer
Record Updated	Oct 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7145 SMITH RD, GAINES, MI 48436-9750

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	Argentine Township
Unified School District	Linden 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	$1,324.00 (-57.58%) Homeowner's exemption	$130,100 (+16.79%)	$260,200 (+16.79%)
2024	$3,121.00 (+49.04%)
2023		$111,400	$222,800
2019	$2,094.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 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 / 35
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 25 locations within half a mile of this property.

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