Genesee County property record for 9494 Ray Rd, Gaines, MI 48436
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,316 sqft · built 2005 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $14,900 (Nov 2005) |
| Tax Bill | $3,797 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-34-300-013 |
| Primary APN | 10-34-300-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,316 sqft Living Area |
| 1st Floor Area | 2,316 sqft |
| Basement Area | 2,220 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 9494 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 | W 200 FT OF E 400 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 |
Source: Genesee County records, as of October 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9494 RAY RD, GAINES, MI 48436-9796 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 8, 2005 · Amount on Record |
| Deed Sale | Nov 8, 2005 · Amount on Record |
| Deed Document Number | 2005107851 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE MI |
| Property Address | 9494 RAY RD, GAINES, MI 48436-9796 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202105070046756 |
|---|---|
| Date | May 7, 2021 |
| Instrument | 202105070046756 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
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 | $186,500 (+7.55%) Land $23,000 Building $163,500 | $373,000 (+7.55%) Land $46,000 Building $327,000 | |
| 2025 | $3,797.00 (+2.21%) Homeowner's exemption | $173,400 (+7.77%) | $346,800 (+7.77%) |
| 2024 | $3,715.00 (+32.49%) | ||
| 2023 | $160,900 | $321,800 | |
| 2019 | $2,804.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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