9408 Ray Rd, Gaines, MI 48436 Property Records

Genesee County property record for 9408 Ray Rd, Gaines, MI 48436

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1995
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Tax Bill	$3,652 (2024)
Deeds & Mortgages	Jul 2026 Transfer Jul 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-34-300-018`

Property Details

APN / Parcel Number

Primary APN	`10-34-300-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,680 sqft Living Area
Basement Area	1,204 sqft

Exterior

Year Built	Built 1995
Architectural Style	Ranch
Lot Area	87,120 sqft (2 acres)
Garage Area	1,684 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	1034300018
Street Address	9408 RAY RD
City	GAINES
State	MI
Zip	48436-9796
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG-2
Legal Description	A PARCEL OF LAND BEG W 1288.15 FT FROM S 1/4 COR OF SEC TH W 175 FT TH N 01 DEG 12 MIN 45 SEC W 498 FT TH E 175 FT TH S 01
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 10-34-300-018

Assessment roll updated March 1, 2025 · Last verified October 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	9408 RAY RD, GAINES, MI 48436-9796
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 13, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU
Mar 05, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Prior Sale	Aug 17, 2006 · Amount on Record
Last Transfer Date	Mar 05, 2024
Transfer Doc	0000009212
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 13, 2026
Property Address	9408 RAY RD, GAINES, MI 48436-9796
Document Number	0000041946
Instrument Date	Jul 13, 2026
Instrument	202641946
Transaction Type	Transfer
Record Updated	Aug 03, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	9408 RAY RD, GAINES, MI 48436-9796

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GENESEE MI
Recording Date	Jul 13, 2026
Property Address	9408 RAY RD, GAINES, MI 48436-9796
Document Number	0000041945
Instrument Date	Jul 13, 2026
Instrument	202641945
Transaction Type	Transfer
Record Updated	Aug 03, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9408 RAY RD, GAINES, MI 48436-9796

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE MI
Property Address	9408 RAY RD, GAINES, MI 48436-9796
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	TRANSNATION TITLE INSURANCE COMPANY, TRANSNATION TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9408 RAY RD, GAINES, MI 48436-9796

Mortgage

Document Number	0000028327
Date	Dec 23, 2025
Instrument	202512230028327

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union
Address	FLINT, MI 48507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2036

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GENESEE MI
Recording Date	Mar 05, 2024
Property Address	9408 RAY RD, GAINES, MI 48436-9796
Document Number	0000009212
Instrument Date	Feb 14, 2024
Instrument	202403050009212
Transaction Type	Transfer
Record Updated	Mar 13, 2024

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	9408 RAY RD, GAINES, MI 48436-9796

Tax Assessment & Valuation

Source: Genesee County records · Assessment roll updated March 1, 2025 · Last verified October 2025

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		$163,700 (+2.38%)	$327,400 (+2.38%)
2024	$3,652.00 (+31.89%)
2023		$159,900	$319,800
2019	$2,769.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 19, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Based on FCC filings for 3 locations within half a mile of this property.

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