9282 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 9282 Ray Rd, Gaines, MI 48436 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,344 sqft · built 1974
Lot Size	7.2 acres (313,632 sqft)
Owner	Individual Name on File
Last Sale	$191,500 (Nov 2006)
Tax Bill	$823 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-34-300-007`

Property Details

APN / Parcel Number

Primary APN	`10-34-300-007`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Lot Area	313,632 sqft (7.2 acres)
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	9282 RAY RD
City	GAINES
State	MI
Zip	48436-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A PARCEL OF LAND BEG AT S 1/4 COR OF SEC TH W 232.15 FT TH N 1* 12 MIN 45 SEC W 1355.84 FT TH S 89* 16 MIN 45 SEC E 234.19 FT
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

Source: Genesee County records · APN 10-34-300-007

Assessment roll updated 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	9282 RAY RD, GAINES, MI 48436-9717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 03, 2006 · Amount on Record
Deed Sale	Nov 03, 2006 · Amount on Record
Deed Document Number	200696070
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9282 RAY RD, GAINES, MI 48436-9717
Transaction Type	Mortgage
Record Updated	Jun 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9282 RAY RD, GAINES, MI 48436-9717

Mortgage

Document Number	0000013763
Date	Apr 01, 2024
Instrument	202404010013763

Lender

Name	GENISYS CU
Type	Credit Union
Address	AUBURN HILLS, MI 48326

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Mar 27, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated October 3, 2025 · Last verified June 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

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	$823.00 (-67.55%) Homeowner's exemption	$113,300 (+14.1%)	$226,600 (+14.1%)
2024	$2,536.00 (+35.83%)
2023		$99,300	$198,600
2019	$1,867.00

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 260490128012, 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 100 ft
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	2 (2014–2017)
Most Recent Claim	Apr 2017, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.