Genesee County property record for 9315 Cook Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,539 sqft · built 1968 |
| Lot Size | 3.33 acres (145,055 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,852 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-27-100-009 |
| Primary APN | 10-27-100-009 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,539 sqft Living Area |
| 1st Floor Area | 1,539 sqft |
| Basement Area | 1,539 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Lot Area | 145,055 sqft (3.33 acres) |
| Garage Area | 1,944 sqft |
| Parking Spaces | 7 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9315 COOK RD |
|---|---|
| City | GAINES |
| State | MI |
| Zip | 48436-9711 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG-1 |
| Legal Description | W 221 FT OF E 663 FT OF N 657.12 FT OF NW 1/4 SEC 27 T6N R5E 3.33 A |
| 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 |
9315 Cook Rd is owned and occupied by an individual who acquired it in November 2019.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9315 COOK RD, GAINES, MI 48436-9711 |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Line of Credit THE STATE BANK |
| Jun 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CONGRESSIONAL BANK |
| Dec 10, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage THE STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 26, 2019 |
| Transfer Doc | 0000075498 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9315 COOK RD, GAINES, MI 48436-9711 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 9315 COOK RD, GAINES, MI 48436-9711 |
| Document Number | 0000044532 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | 202308090044532 |
| Name | THE STATE BANK |
|---|---|
| Type | Bank |
| Address | FENTON, MI 48430 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9315 COOK RD, GAINES, MI 48436-9711 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000047190 |
|---|---|
| Date | Jun 29, 2017 |
| Instrument | 201706290047190 |
| Name | CONGRESSIONAL BANK |
|---|---|
| Type | Bank |
| Address | BETHESDA, MD 20817 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Dec 10, 2019 |
| Property Address | 9315 COOK RD, GAINES, MI 48436-9711 |
| Document Number | 201912100075498 |
| Instrument Date | Nov 26, 2019 |
| Instrument | 201912100075498 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | CISLO TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34700 SPRING VALLEY DR, 34700, WESTLAND, MI 48185-9458 |
| Name | Verified Name |
|---|---|
| Address | 9315 COOK RD, GAINES, MI 48436-9711 |
| Document Number | 201912100075499 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 201912100075499 |
| Name | THE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 9315 Cook Rd was $2,852 with a homeowner's exemption, up 2.8% from the year before.
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 | $129,000 (+6.97%) Land $23,900 Building $105,100 | $258,000 (+6.97%) Land $47,800 Building $210,200 | |
| 2025 | $2,852.00 (+2.77%) Homeowner's exemption | $120,600 | $241,200 |
| 2024 | $2,775.00 | ||
| 2023 | $110,500 | $221,000 | |
| 2019 | $2,039.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9315 Cook Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.
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.
Wildfire risk around 9315 Cook Rd is low, with less than 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 99.1% of the US · lower than 98.4% of Michigan |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
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