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Single Family ResidenceResidential
$165,190$112 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $70,001 on May 9, 2023

10497 RAY RD

GAINES, MI 48436
3
Beds
1
Baths
1,473 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$165K
$141K low$189K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$70,001 · May 9, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,218 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$90,300 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$74,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$86,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$180,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
8
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
55
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
60
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
6
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyGENESEE
Lot (acres)The size of the land the home sits on, from county records.1.54
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gaines Elementary SchoolC
Elementary · Grades KG–5 · 1.2 mi
M
Swartz Creek Middle SchoolC-
Middle · Grades 6–8 · 6.2 mi
H
Swartz Creek High SchoolC-
High · Grades 9–12 · 6.4 mi

District: Swartz Creek Community Schools

Neighborhood · ZIP 48436These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.27
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.19

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.7%
PopulationHow many people live in this area.3,951
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.122 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$85,461
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$115,140
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.32 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10497 Ray Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 93% of homes in Gaines 48436
  • Costs less per square foot than 95% of homes in Gaines 48436
  • Has a bigger lot than 86% of homes in Genesee County
  • Older than 92% of homes in Genesee County

What homes are worth in Gaines 48436

Each bar is how many homes fall in that price range. The marker is this home.

This home
$128K$618K

This home is worth more than 7% of homes in Gaines 48436.

How it measures up in Gaines 48436

The dot is this home. The mark in the middle is the typical home in Gaines 48436.

Estimated value$165,190
CheaperTypical $287,755Pricier

Pricier than 7% of homes nearby

Price per ft²$112
CheaperTypical $193Pricier

Pricier than 5% of homes nearby

Living area1,473 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 44% of homes nearby

Lot size1.54 ac
SmallerTypical 2.02 acBigger

Bigger than 41% of homes nearby

Year built1925
OlderTypical 1978Newer

Newer than 9% of homes nearby

How 10497 Ray Rd ranks against every home in each area.
MeasureThis homeGaines 48436Genesee County
Estimated valuepricier than$165,1907% of homes45% of homes
Price per ft²pricier than$1125% of homes38% of homes
Living areabigger than1,473 ft²44% of homes58% of homes
Lot sizebigger than1.54 ac41% of homes86% of homes
Year builtnewer than19259% of homes8% of homes

About 10497 Ray Rd

How much is 10497 Ray Rd, Gaines, MI worth?

The TopHap Estimate for 10497 Ray Rd, Gaines, MI is $165,190 as of Sep 24, 2026. The likely range is $141,047 to $189,333. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10497 Ray Rd, Gaines, MI last sell?

10497 Ray Rd, Gaines, MI last sold on May 9, 2023 for $70,001, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 10497 Ray Rd, Gaines, MI?

10497 Ray Rd, Gaines, MI has 3 bedrooms, 1 bathrooms, 1,473 square feet of living space and a 1.54-acre lot.

When was 10497 Ray Rd, Gaines, MI built?

10497 Ray Rd, Gaines, MI was built in 1925, making it 101 years old. The building has 2 stories.

What schools serve 10497 Ray Rd, Gaines, MI?

10497 Ray Rd, Gaines, MI is assigned to Gaines Elementary School (elementary), rated C; Swartz Creek Middle School (middle), rated C-; Swartz Creek High School (high), rated C-. All sit in Swartz Creek Community Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10497 Ray Rd, Gaines, MI compare to other homes in Gaines 48436?

Among the 1,469 homes in Gaines 48436, it is worth more than 7% of them ($165,190 against a typical $287,755), its price per square foot is higher than 5% of them ($112 against a typical $193), it is bigger than 44% of them (1,473 ft² against a typical 1,540 ft²), its lot is bigger than 41% of them (1.54 ac against a typical 2.02 ac) and it is newer than 9% of them (1925 against a typical 1978). Measured against all of Genesee County, it is worth more than 45% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10497 Ray Rd, Gaines, MI?

The 2025 property tax bill for 10497 Ray Rd, Gaines, MI was $3,218. The county assessed it at $90,300.

More homes on Ray Rd

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Assigned schools

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