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Single Family ResidenceResidential
$238,423$180 / 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 93How 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

11040 RAY RD

GAINES, MI 48436
3
Beds
1.5
Baths
1,328 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.
0.96 ac
Lot SizeThe size of the land the home sits on, from county records.
1975
Year BuiltThe year the home was originally built, according to county records.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$238K
$223K low$254K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,481 (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.$110,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$93,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$103,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$220,800

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
10
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
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyGENESEE
Lot (acres)The size of the land the home sits on, from county records.0.96
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Foreclosure Filings(1)

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 · 6.2 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

11040 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 68% of homes in Gaines 48436
  • Costs more per square foot than 76% of homes in Genesee County
  • Smaller than 70% of homes in Gaines 48436
  • Has a smaller lot than 80% of homes in Gaines 48436
  • Newer than 68% 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
$126K$599K

This home is worth more than 32% 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$238,423
CheaperTypical $286,943Pricier

Pricier than 32% of homes nearby

Price per ft²$180
CheaperTypical $192Pricier

Pricier than 39% of homes nearby

Living area1,328 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 30% of homes nearby

Lot size0.96 ac
SmallerTypical 2.01 acBigger

Bigger than 20% of homes nearby

Year built1975
OlderTypical 1978Newer

Newer than 44% of homes nearby

How 11040 Ray Rd ranks against every home in each area.
MeasureThis homeGaines 48436Genesee County
Estimated valuepricier than$238,42332% of homes67% of homes
Price per ft²pricier than$18039% of homes76% of homes
Living areabigger than1,328 ft²30% of homes48% of homes
Lot sizebigger than0.96 ac20% of homes79% of homes
Year builtnewer than197544% of homes68% of homes

About 11040 Ray Rd

How much is 11040 Ray Rd, Gaines, MI worth?

The TopHap Estimate for 11040 Ray Rd, Gaines, MI is $238,423 as of Sep 24, 2026. The likely range is $222,782 to $254,064. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 11040 Ray Rd, Gaines, MI last sell?

11040 Ray Rd, Gaines, MI last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 11040 Ray Rd, Gaines, MI?

11040 Ray Rd, Gaines, MI has 3 bedrooms, 1.5 bathrooms, 1,328 square feet of living space and a 0.96-acre lot.

When was 11040 Ray Rd, Gaines, MI built?

11040 Ray Rd, Gaines, MI was built in 1975, making it 51 years old. It is a ranch home.

What schools serve 11040 Ray Rd, Gaines, MI?

11040 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 11040 Ray Rd, Gaines, MI compare to other homes in Gaines 48436?

Among the 1,469 homes in Gaines 48436, it is worth more than 32% of them ($238,423 against a typical $286,943), its price per square foot is higher than 39% of them ($180 against a typical $192), it is bigger than 30% of them (1,328 ft² against a typical 1,536 ft²), its lot is bigger than 20% of them (0.96 ac against a typical 2.01 ac) and it is newer than 44% of them (1975 against a typical 1978). Measured against all of Genesee County, it is worth more than 67% 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 11040 Ray Rd, Gaines, MI?

The 2025 property tax bill for 11040 Ray Rd, Gaines, MI was $2,481. The county assessed it at $110,400.

More homes on Ray Rd

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Assigned schools

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