8182 Smith Rd, Gaines, MI 48436 Property Records

Genesee County property record for 8182 Smith Rd, Gaines, MI 48436 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1990
Lot Size	10.6 acres (461,736 sqft)
Owner	Individual Name on File
Tax Bill	$1,106 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone A (high risk)
APN	`01-02-400-015`

Property Details

APN / Parcel Number

Primary APN	`01-02-400-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	461,736 sqft (10.6 acres)
Garage Area	1,392 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8182 SMITH RD
City	GAINES
State	MI
Zip	48436-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND BEG N 87 DEG 47 MIN 17 SEC E 638.57 FT FROM S 1/4 COR TH N 2 DEG 49 MIN 13 SEC W 1386.67 FT TH E 335.35 FT
Legal Range	05E
Legal Township	05N
Legal Section	02
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1047
Census Tract	13001

Owner

Source: Genesee County records · APN 01-02-400-015

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	Individual Name on File
Mailing Address	8182 SMITH RD, GAINES, MI 48436-9732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	8182 SMITH RD, GAINES, MI 48436-9732
Document Number	0000062123
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8182 SMITH RD GAINES MI 484369732, GAINES, MI 48436-9732

Mortgage

Document Number	0000062123
Date	Sep 26, 2019
Instrument	62123

Lender

Name	ELGA CU
Type	Credit Union
Address	BUCKLAND, OH 45819

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	Swartz Creek 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	$1,106.00 (-69.16%) Homeowner's exemption	$197,300 (+39.93%)	$394,600 (+39.93%)
2024	$3,586.00 (+70.68%)
2023		$141,000	$282,000
2019	$2,101.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Michigan
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.