Genesee County property record for 9450 Ray Rd, Gaines, MI 48436 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,204 sqft · built 1996 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Sep 2025) |
| Tax Bill | $3,323 (2024) |
| Deeds & Mortgages | Sep 2025 Sale Jun 2021 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 10-34-300-016 |
| Primary APN | 10-34-300-016 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,204 sqft Living Area |
| Basement Area | 1,204 sqft |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Ranch |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Area | 1,924 sqft |
| Parking Spaces | 7 Parking Spaces |
| Heating System | Forced Air |
|---|
| Account Number | 1034300016 |
|---|---|
| Street Address | 9450 RAY RD |
| City | GAINES |
| State | MI |
| Zip | 48436-9796 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A PARCEL OF LAND BEG W 1785.10 FT FROM S 1/4 COR OF SEC TH W 210 FT TH N 01 DEG 07 MIN 34 SEC W 622.29 FT TH E 210 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 | 2053 |
| Census Tract | 12801 |
Source: Genesee County records · APN 10-34-300-016
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 | 5384 LINDEN RD, SWARTZ CREEK, MI 48473-8274 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 08, 2025 | Warranty Deed, Transfer UNKNOWN, CISLO TTL CO TTL INS & ESCRO |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE CO INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 08, 2025 · Amount on Record |
| Deed Sale | Sep 08, 2025 · Amount on Record |
| Prior Sale | Mar 24, 2014 |
| Deed Document Number | 202509080010708 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Sep 08, 2025 |
| Property Address | 9450 RAY RD, GAINES, MI 48436-9796 |
| Document Number | 0000010708 |
| Instrument Date | Sep 03, 2025 |
| Instrument | 202509080010708 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | UNKNOWN, CISLO TTL CO TTL INS & ESCRO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9450 RAY RD, GAINES, MI 48436-9796 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5384 LINDEN RD, SWARTZ CREEK, MI 48473-8274 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9450 RAY RD, GAINES, MI 48436-9796 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 9450 RAY RD, GAINES, MI 48436-9796 |
| Document Number | 202106280058186 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 202106280058186 |
| Name | GUARDIAN MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHARDSON, TX 75083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
Source: Genesee County records · Assessment roll updated March 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Michigan |
| County | Genesee County |
| County Subdivision | Gaines Township |
| Unified School District | Swartz Creek Community Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $150,200 (+8.06%) | $300,400 (+8.06%) | |
| 2024 | $3,323.00 (+32.71%) | ||
| 2023 | $139,000 | $278,000 | |
| 2019 | $2,504.00 |
Source: FEMA National Flood Hazard Layer, Genesee County (26049C), updated February 19, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| 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; lenders make the official flood determination.
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