9227 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 9227 Ray Rd, Gaines, MI 48436 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,098 sqft · built 1977
Lot Size	10.3 acres (452,588 sqft)
Owner	2 Individual Names on File
Last Sale	$269,900 (Nov 2017)
Tax Bill	$1,704 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-03-200-013`

Property Details

APN / Parcel Number

Primary APN	`01-03-200-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,098 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	452,588 sqft (10.3 acres)
Garage Area	1,100 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9227 RAY RD
City	GAINES
State	MI
Zip	48436-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 300 FT OF N FR 1/2 OF NE FR 1/4 SEC 3 T5N R5E 10.39 A (77)
Legal Range	05E
Legal Township	05N
Legal Section	03
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1003
Census Tract	13001

Owner

Source: Genesee County records · APN 01-03-200-013

Assessment roll updated October 3, 2025 · Last verified August 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	9227 RAY RD, GAINES, MI 48436-9717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ELGA CREDIT UNION
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 27, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 02, 2017	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2017 · Amount on Record
Deed Sale	Nov 02, 2017 · Amount on Record
Deed Document Number	201769496
Last Transfer Date	Sep 28, 2022
Transfer Doc	0000065846
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Oct 10, 2022
Property Address	9227 RAY RD, GAINES, MI 48436-9717
Document Number	0000065846
Instrument Date	Sep 28, 2022
Instrument	202210100065846
Transaction Type	Transfer
Record Updated	Oct 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9227 RAY RD, GAINES, MI 48436-9717

Mortgage

Document Number	0000065847
Date	Oct 10, 2022
Instrument	202210100065847

Lender

Name	ELGA CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 03, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9227 RAY RD, GAINES, MI 48436-9717
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103190018648
Date	Mar 19, 2021
Instrument	202103190018648

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 01, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9227 RAY RD, GAINES, MI 48436-9717
Document Number	0000076532
Instrument Date	Nov 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 07, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9227 RAY RD GAINES MI 484369717, GAINES, MI 48436-9717

Mortgage

Document Number	0000076532
Date	Dec 12, 2019
Instrument	76532

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE MI
Recording Date	Nov 02, 2017
Property Address	9227 RAY RD, GAINES, MI 48436-9717
Document Number	0000069496
Instrument Date	Oct 16, 2017
Instrument	69496
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	LIBERTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,321.14
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6515 SETTLEMENT SQ CLARKSTON MI 483484633, CLARKSTON, MI 48348-4633

Mortgage

Document Number	66830
Date	Nov 02, 2017
Instrument	66830

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified August 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	$1,704.00 (-66.48%) Homeowner's exemption	$200,500 (+17.18%)	$401,000 (+17.18%)
2024	$5,083.00 (+32.2%)
2023		$171,100	$342,200
2019	$3,845.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 260490130011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	2 in force

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; 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, availability as of December 31, 2025 · Published October 2026 · based on 17 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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