Genesee County property record for 9191 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,754 sqft · built 2023 |
| Lot Size | 37.4 acres (1,629,144 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Apr 2018) |
| Tax Bill | $9,018 (2025) |
| Deeds & Mortgages | Dec 2022 Construction Loan Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-27-200-021 |
| Primary APN | 10-27-200-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,754 sqft Living Area |
| 1st Floor Area | 1,754 sqft |
| Basement Area | 1,754 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Lot Area | 1,629,144 sqft (37.4 acres) |
| Garage Area | 2,304 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9191 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-1 |
| Legal Description | E 1/2 OF W 1/2 OF NE 1/4 EXCEPT A PARCEL OF LAND BEG S 88 DEG 56 MIN 02 SEC E 892 FT FROM N 1/4 COR OF SEC TH S 88 DEG 56 MIN |
| Legal Range | 05E |
| Legal Township | 06N |
| Legal Section | 27 |
| Jurisdiction | GENESEE MI |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 12801 |
Source: Genesee County records, as of October 2, 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 Record |
|---|---|
| Mailing Address | 9191 COOK RD, GAINES, MI 48436-9802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2022 | Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK |
| Apr 18, 2018 | Warranty Deed, Transfer SARGENTS TITLE COMPANY, SARGENTS TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2018 · Amount on Record |
| Deed Sale | Apr 18, 2018 · Amount on Record |
| Deed Document Number | 201861716 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9191 COOK RD, GAINES, MI 48436-9802 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Title Company | CISLO TITLE |
| Name | Verified Name |
|---|---|
| Address | 9296 PINE HILL TRL, FENTON, MI 48430-9332 |
| Document Number | 0000077243 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 202212210077243 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Apr 18, 2018 |
| Property Address | COOK RD, GAINES, MI 48436 |
| Document Number | 0000061716 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 61716 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2019 |
| Title Company | SARGENTS TITLE COMPANY, SARGENTS TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,333.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9296 PINE HILL TRL FENTON MI 484309332, FENTON, MI 48430-9332 |
Source: Genesee County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $307,200 (+4.49%) Land $117,600 Building $189,600 | $614,400 (+4.49%) Land $235,200 Building $379,200 | |
| 2025 | $9,018.00 (+63.13%) Homeowner's exemption | $294,000 (+274.52%) | $588,000 (+274.52%) |
| 2024 | $5,528.00 (+160.75%) | ||
| 2023 | $78,500 | $157,000 | |
| 2019 | $2,120.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 19, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2014–2017) |
| Most Recent Claim | Apr 2017 · river or lake flooding |
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: 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: T-Mobile.
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