Genesee County property record for 7280 N Bray Rd, Mount Morris, MI 48458
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,782 sqft · built 1996 |
| Lot Size | 1.09 acres (47,524 sqft) |
| Owner | Individual Name on File |
| Last Sale | $201,000 (Jul 2026) |
| Tax Bill | $3,703 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-09-100-043 |
| Primary APN | 11-09-100-043 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,782 sqft Living Area |
| 1st Floor Area | 1,782 sqft |
| Basement Area | 1,782 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Modular |
| Lot Area | 47,524 sqft (1.09 acres) |
| Lot Dimensions | 360 ft deep x 132 ft wide |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Hot Water |
|---|
| Street Address | 7280 N BRAY RD |
|---|---|
| City | MOUNT MORRIS |
| State | MI |
| Zip | 48458-8989 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-R AG - R |
| Legal Description | A PARCEL OF LAND BEG N 0 DEG 52 MIN 32 SEC W 173.43 FT FROM W 1/4 COR OF SEC TH N 0 DEG 52 MIN 32 SEC W 132 FT TH S 88 DEG 48 |
| Legal Range | 07E |
| Legal Township | 08N |
| Legal Section | 09 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GENESEE |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 12100 |
7280 N Bray Rd is owned and occupied by an individual who bought it in July 2026.
Source: Genesee County records, as of October 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8810 SASHABAW RD, CLARKSTON, MI 48348-2922 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE |
| Sep 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA |
| Mar 10, 2022 | Warranty Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC |
| Jul 11, 2019 | Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK |
| Apr 26, 2017 | Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MTG/MI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2026 · Amount on File |
| Deed Sale | Jul 16, 2026 · Amount on File |
| Prior Sale | Mar 10, 2022 · Amount on File |
| Deed Document Number | 202642984 |
| Prior Transfer Date | Jan 9, 2010 |
| Prior Transfer Doc | 0000003268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Jul 16, 2026 |
| Property Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Document Number | 0000042984 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202642984 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2026 |
| Title Company | TITLE STAR AGENCY LLC, STAR TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $174,588.60 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8810 SASHABAW RD, CLARKSTON, MI 48348-2922 |
| Document Number | 0000042985, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 20261642985 |
| Name | NATIONAL HOME MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Document Number | 0000073599 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 202109100073599 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Mar 10, 2022 |
| Property Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Document Number | 0000012349 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 202203100012349 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,245.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Name | Verified Name |
|---|---|
| Address | 1849 BRIGADOON LN, MUSKEGON, MI 49442-6842 |
| Investor | Possibly a Property Investor |
| Document Number | 0000012350 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 202203100012350 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201907110048423 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | 201907110048423 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Apr 26, 2017 |
| Property Address | 7280 N BRAY RD, MOUNT MORRIS, MI 48458-8989 |
| Document Number | 0000034486 |
| Instrument Date | Apr 11, 2017 |
| Instrument | 34486 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2019 |
| Title Company | MASON BURGESS TITLE AGENCY, MASON BURGESS TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $731.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6602 FIREFLY CT BURTON MI 485092391, BURTON, MI 48509-2391 |
| Document Number | 32631 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 32631 |
| Name | FIFTH THIRD MTG/MI |
|---|---|
| Type | Mortgage Company |
| Address | GRAND RAPIDS, MI 49546 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 25, 2047 |
The 2025 property tax bill for 7280 N Bray Rd was $3,703 with a homeowner's exemption, down 4.4% from the year before.
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Genesee Charter Township |
| Unified School District | Kearsley Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $103,900 (+7.89%) Land $11,700 Building $92,200 | $207,800 (+7.89%) Land $23,400 Building $184,400 | |
| 2025 | $3,703.00 (-4.41%) Homeowner's exemption | $96,300 | $192,600 |
| 2024 | $3,874.00 | ||
| 2023 | $86,100 | $172,200 | |
| 2021 | $2,012.00 |
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 7280 N Bray Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 7280 N Bray Rd 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 71 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 |
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