9210 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 9210 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,705 sqft · built 1982
Lot Size	3.44 acres (149,846 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,270 (2025)
Flood Zone	Zone X (minimal risk)
APN	`10-34-400-012`

Property Details

APN / Parcel Number

Primary APN	`10-34-400-012`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,705 sqft Living Area
1st Floor Area	1,665 sqft
Basement Area	1,665 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	149,846 sqft (3.44 acres)
Garage Area	2,560 sqft
Parking Spaces	9 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9210 RAY RD
City	GAINES
State	MI
Zip	48436-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2
Legal Description	A PARCEL OF LAND BEG 460 FT E OF S 1/4 COR OF SEC TH E 325 FT TH N 14 DEG 41 MIN 32 SEC W 255.15 FT & N 14 DEG 38 MIN 18 SEC
Legal Range	05E
Legal Township	06N
Legal Section	34
Jurisdiction	GENESEE MI
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2054
Census Tract	12801

Owner

9210 Ray Rd is owned and occupied by two individuals.

Source: Genesee County records, as of October 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9210 RAY RD, GAINES, MI 48436-9717
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 9210 Ray Rd was $4,270 with a homeowner's exemption, up 3.7% from the year before.

Source: Genesee County assessment roll, as of October 2, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Genesee County
County Subdivision	Gaines Township
Unified School District	Swartz Creek Community Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$205,600 (+6.92%) Land $24,200 Building $181,400	$411,200 (+6.92%) Land $48,400 Building $362,800
2025	$4,270.00 (+3.67%) Homeowner's exemption	$192,300	$384,600
2024	$4,119.00
2023		$178,200	$356,400
2019	$3,146.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 9210 Ray Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

Wildfire risk around 9210 Ray Rd is low, with 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 80% of the US · above 51% of Michigan
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20