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Single Family ResidenceResidential
$324,065$196 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

11031 RAY RD

GAINES, MI 48436
3
Beds
1.5
Baths
1,656 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.
1.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$324K
$303K low$345K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,427 (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.$179,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$163,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$160,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$358,800

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.28
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
11
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.1.50
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(1)

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 · 1.1 mi
M
Swartz Creek Middle SchoolC-
Middle · Grades 6–8 · 6.3 mi
H
Swartz Creek High SchoolC-
High · Grades 9–12 · 6.5 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

11031 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 more than 83% of homes in Genesee County
  • Costs more per square foot than 83% of homes in Genesee County
  • Bigger than 69% of homes in Genesee County
  • Has a bigger lot than 86% of homes in Genesee County
  • Newer than 79% 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
$132K$593K

This home is worth more than 66% 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$324,065
CheaperTypical $277,333Pricier

Pricier than 66% of homes nearby

Price per ft²$196
CheaperTypical $187Pricier

Pricier than 59% of homes nearby

Living area1,656 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 58% of homes nearby

Lot size1.5 ac
SmallerTypical 2.01 acBigger

Bigger than 40% of homes nearby

Year built1994
OlderTypical 1978Newer

Newer than 68% of homes nearby

How 11031 Ray Rd ranks against every home in each area.
MeasureThis homeGaines 48436Genesee County
Estimated valuepricier than$324,06566% of homes83% of homes
Price per ft²pricier than$19659% of homes83% of homes
Living areabigger than1,656 ft²58% of homes69% of homes
Lot sizebigger than1.5 ac40% of homes86% of homes
Year builtnewer than199468% of homes79% of homes

About 11031 Ray Rd

How much is 11031 Ray Rd, Gaines, MI worth?

The TopHap Estimate for 11031 Ray Rd, Gaines, MI is $324,065 as of Oct 21, 2026. The likely range is $303,474 to $344,656. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11031 Ray Rd, Gaines, MI last sell?

11031 Ray Rd, Gaines, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 11031 Ray Rd, Gaines, MI?

11031 Ray Rd, Gaines, MI has 3 bedrooms, 1.5 bathrooms, 1,656 square feet of living space and a 1.50-acre lot.

When was 11031 Ray Rd, Gaines, MI built?

11031 Ray Rd, Gaines, MI was built in 1994, making it 32 years old. The building has 1 story.

What schools serve 11031 Ray Rd, Gaines, MI?

11031 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 11031 Ray Rd, Gaines, MI compare to other homes in Gaines 48436?

Among the 1,469 homes in Gaines 48436, it is worth more than 66% of them ($324,065 against a typical $277,333), its price per square foot is higher than 59% of them ($196 against a typical $187), it is bigger than 58% of them (1,656 ft² against a typical 1,540 ft²), its lot is bigger than 40% of them (1.5 ac against a typical 2.01 ac) and it is newer than 68% of them (1994 against a typical 1978). Measured against all of Genesee County, it is worth more than 83% 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 11031 Ray Rd, Gaines, MI?

The 2025 property tax bill for 11031 Ray Rd, Gaines, MI was $3,427. The county assessed it at $179,400.

More homes on Ray Rd

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More homes in Gaines 48436

Assigned schools

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