8410 Smith Rd, Gaines, MI 48436 Property Records

Genesee County property record for 8410 Smith Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,200 sqft · built 2005
Lot Size	3.06 acres (133,294 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (Nov 2025)
Tax Bill	$831 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-02-300-022`

Property Details

APN / Parcel Number

Primary APN	`01-02-300-022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Modular
Lot Area	133,294 sqft (3.06 acres)
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Street Address	8410 SMITH RD
City	GAINES
State	MI
Zip	48436-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	A PARCEL OF LAND BEG S 87 DEG 24 MIN 39 SEC E 854.30 FT FROM SW COR OF SEC TH N 0 DEG 01 MIN 16 SEC E 666.77 FT TH S 87 DEG
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 01-02-300-022

Assessment roll updated October 3, 2025 · Last verified July 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	10091 MARLBOROUGH DR, GROSSE ILE, MI 48138-1628
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY
Nov 03, 2025	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY
Apr 11, 2025	Warranty Deed, Transfer MICHIGAN SHORES TITLE AGENCY, MICHIGAN MOVES TITLE AGENCY
Apr 11, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 03, 2025 · Amount on Record
Deed Sale	Nov 03, 2025 · Amount on Record
Prior Sale	Apr 11, 2025 · Amount on Record
Deed Document Number	2025110320357
Prior Transfer Date	Mar 17, 2025
Prior Transfer Doc	0000017941
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	8410 SMITH RD, GAINES, MI 48436-9732
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10091 MARLBOROUGH DR, GROSSE ILE, MI 48138-1628

Mortgage

Document Number	0000019827
Date	Oct 29, 2025
Instrument	202510290019827

Lender

Name	RUOFF MORTGAGE COMPANY
Type	Mortgage Company
Address	TRAVERSE CITY, MI 49684

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 03, 2025
Property Address	8410 SMITH RD, GAINES, MI 48436-9732
Document Number	0000020357
Instrument Date	Oct 17, 2025
Instrument	202511030020357
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,860.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 185, HARTLAND, MI 48353-0185

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	8410 SMITH RD, GAINES, MI 48436-9732

Mortgage

Document Number	0000019827
Date	Nov 03, 2025
Instrument	202510290019827

Lender

Name	RUOFF MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2055

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 11, 2025
Property Address	8410 SMITH RD, GAINES, MI 48436-9732
Document Number	0000017942
Instrument Date	Mar 19, 2025
Instrument	202504110017942
Transaction Type	Transfer
Record Updated	Oct 03, 2025
Title Company	MICHIGAN SHORES TITLE AGENCY, MICHIGAN MOVES TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,162.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8410 SMITH RD, GAINES, MI 48436-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 185, GAINES, MI 48436-0185

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Apr 11, 2025
Property Address	8410 SMITH RD, GAINES, MI 48436-9732
Document Number	0000017941
Instrument Date	Mar 17, 2025
Instrument	202504110017941
Transaction Type	Transfer
Record Updated	Oct 03, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11415 BALDWIN RD, GAINES, MI 48436-9777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8410 SMITH RD, GAINES, MI 48436-9732

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$831.00 (-70.82%) Homeowner's exemption	$127,200 (+18.22%)	$254,400 (+18.22%)
2024	$2,848.00 (+51.89%)
2023		$107,600	$215,200
2019	$1,875.00

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
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	Direct burnable vegetation at the parcel

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 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 20 locations within half a mile of this property.

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