Genesee County property record for 9484 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,423 sqft · built 1994 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Aug 2018) |
| Tax Bill | $4,441 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-34-300-012 |
| Primary APN | 10-34-300-012 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,423 sqft Living Area |
| 1st Floor Area | 1,399 sqft |
| Basement Area | 1,399 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Area | 1,789 sqft |
| Parking Spaces | 6 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 9484 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 | E 200 FT OF W 665.02 FT OF S 659.31 FT OF SW 1/4 SEC 34 T6N R5E 3.0 A (95) FR 10-34-300-011 |
| 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 |
9484 Ray Rd is owned and occupied by two individuals who bought it in August 2018.
Source: Genesee County records, as of October 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9484 RAY RD, GAINES, MI 48436-9796 |
| 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 |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PLUS CU |
| Aug 29, 2018 | Warranty Deed, Transfer · Conventional with PMI FINANCIAL PLUS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2018 · Amount on File |
| Deed Sale | Aug 29, 2018 · Amount on File |
| Deed Document Number | 201884527 |
| Prior Transfer Date | Oct 7, 2014 |
| Prior Transfer Doc | 0000082250 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9484 RAY RD, GAINES, MI 48436-9796 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MASON BURGESS TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000065409 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 202009220065409 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GENESEE MI |
| Recording Date | Aug 29, 2018 |
| Property Address | 9484 RAY RD, GAINES, MI 48436-9796 |
| Document Number | 0000084527 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 84527 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,806.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 9484 RAY RD GAINES MI 484369796, GAINES, MI 48436-9796 |
| Document Number | 84326 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 84326 |
| Name | FINANCIAL PLUS CU |
|---|---|
| Type | Credit Union |
| Address | FLINT, MI 48507 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 28, 2048 |
The 2025 property tax bill for 9484 Ray Rd was $4,441 with a homeowner's exemption, up 2.3% 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 | $165,900 (+6.76%) Land $23,000 Building $142,900 | $331,800 (+6.76%) Land $46,000 Building $285,800 | |
| 2025 | $4,441.00 (+2.3%) Homeowner's exemption | $155,400 | $310,800 |
| 2024 | $4,341.00 | ||
| 2023 | $143,800 | $287,600 | |
| 2019 | $3,310.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9484 Ray Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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 9484 Ray Rd is low, with 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 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.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
| AT&T Fixed Wireless | 25 / 3 |
| Frontier DSL | 10 / 1 |
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