Genesee County property record for 9055 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,860 sqft · built 1995 |
| Lot Size | 2.09 acres (91,040 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,173 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-03-200-029 |
| Primary APN | 01-03-200-029 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Basement Area | 660 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 91,040 sqft (2.09 acres) |
| Garage Area | 642 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9055 RAY RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | A PARCEL OF LAND BEG S 89 DEG 30 MIN E 1754.77 FT FROM N 1/4 COR OF SEC TH CONT S 89 DEG 30 MIN E 178.93 FT TH S 1 DEG 29 MIN |
| Legal Range | 05E |
| Legal Township | 05N |
| Legal Section | 03 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | ARGENTINE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 13001 |
Source: Genesee County assessment roll, APN 01-03-200-029, as of 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 | 9055 RAY RD, GAINES, MI 48436-9717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 18, 2021 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| May 01, 2020 | Deed of Trust, Mortgage MR COOPER |
| Aug 19, 2019 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Aug 08, 2018 | Deed of Trust, Mortgage · FHA Mortgage MR COOPER |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Aug 26, 2025 |
| Transfer Doc | 0000008265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9055 RAY RD, GAINES, MI 48436-9717 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202103180018279 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 202103180018279 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9055 RAY RD, GAINES, MI 48436-9717 |
| Document Number | 0000035083 |
| Instrument Date | May 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 9055 RAY RD GAINES MI 484369717, GAINES, MI 48436-9717 |
| Document Number | 0000035083 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 35083 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 11, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9055 RAY RD, GAINES, MI 48436-9717 |
| Document Number | 0000057230 |
| Instrument Date | Aug 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 9055 RAY RD GAINES MI 484369717, GAINES, MI 48436-9717 |
| Document Number | 0000057230 |
|---|---|
| Date | Sep 03, 2019 |
| Instrument | 57230 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 02, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9055 RAY RD, GAINES, MI 48436-9717 |
| Document Number | 0000081654 |
| Instrument Date | Aug 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 9055 RAY RD GAINES MI 484369717, GAINES, MI 48436-9717 |
| Document Number | 0000081654 |
|---|---|
| Date | Aug 14, 2018 |
| Instrument | 81654 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2048 |
Source: Genesee County assessment roll as of October 3, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Argentine Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
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 | $1,173.00 (-68.2%) Homeowner's exemption | $139,500 (+16.15%) | $279,000 (+16.15%) |
| 2024 | $3,689.00 (+39.37%) | ||
| 2023 | $120,100 | $240,200 | |
| 2019 | $2,647.00 |
Source: FEMA National Flood Hazard Layer, Genesee County (26049C), as of February 19, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260490130011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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.
Source: FCC Broadband Data Collection, 34 locations within half a mile, 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 |
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