9399 Smith Rd, Gaines, MI 48436 Property Records

Genesee County property record for 9399 Smith Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,664 sqft · built 1996
Lot Size	4.9 acres (213,444 sqft)
Owner	Individual Name on Record
Tax Bill	$1,679 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-10-100-012`

Property Details

APN / Parcel Number

Primary APN	`01-10-100-012`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,664 sqft
Basement Area	1,664 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	213,444 sqft (4.9 acres)
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	9399 SMITH RD
City	GAINES
State	MI
Zip	48436-9751
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	A PARCEL OF LAND BEG E 871.48 FT FROM NW COR OF SEC TH CONT E 475.5 TH S 1 DEG 29 MIN 27 SEC E 566.35 FT TH N 64 DEG 00 MIN
Legal Range	05E
Legal Township	05N
Legal Section	10
Jurisdiction	GENESEE MI
Township / Civil Division	ARGENTINE
Census Block Group	1
Census Block	1039
Census Tract	13001

Owner

Source: Genesee County records, as of May 27, 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 Record
Mailing Address	9399 SMITH RD, GAINES, MI 48436-9751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 8, 2005
Transfer Doc	0000014009
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9399 SMITH RD, GAINES, MI 48436-9751
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061690
Date	Sep 8, 2020
Instrument	202009080061690

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9399 SMITH RD, GAINES, MI 48436-9751
Document Number	0000049011
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9399 SMITH RD GAINES MI 484369751, GAINES, MI 48436-9751

Mortgage

Document Number	0000049011
Date	Jul 15, 2019
Instrument	49011

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

Tax Assessment & Valuation

Source: Genesee County assessment roll, as of October 3, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,679.00 (-63.21%) Homeowner's exemption	$210,700 (+18.57%)	$421,400 (+18.57%)
2024	$4,564.00 (+155.26%)
2023		$177,700	$355,400
2016	$1,788.00

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

Flood

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	2 in force

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

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	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Frontier, T-Mobile.

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