Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$292,911$158 / 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 Aug 30, 2026
Last sold for $129,000 on Dec 13, 2007

9514 RAY RD

GAINES, MI 48436
3
Beds
3
Baths
1,856 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.
2 ac
Lot SizeThe size of the land the home sits on, from county records.
1997
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$293K
$276K low$310K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$129,000 · Dec 13, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$907 (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.$123,800 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$122,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,600

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.
13
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.
58
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.2.00
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.

Foreclosure Filings(2)

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

E
Gaines Elementary SchoolB
Elementary · Grades KG–5 · 2.2 mi
M
Swartz Creek Middle SchoolC-
Middle · Grades 6–8 · 5.8 mi
H
Swartz Creek High SchoolC+
High · Grades 9–12 · 6.1 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%

Owner Tools

Do you own this home?
Claim this home

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

9514 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 80% of homes in Genesee County
  • Costs less per square foot than 75% of homes in Gaines 48436
  • Bigger than 80% of homes in Genesee County
  • Has a bigger lot than 89% of homes in Genesee County
  • Newer than 85% 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
$122K$599K

This home is worth more than 55% 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$292,911
CheaperTypical $275,879Pricier

Pricier than 55% of homes nearby

Price per ft²$158
CheaperTypical $188Pricier

Pricier than 25% of homes nearby

Living area1,856 ft²
SmallerTypical 1,523 ft²Bigger

Bigger than 72% of homes nearby

Lot size2 ac
SmallerTypical 2.01 acBigger

Bigger than 50% of homes nearby

Year built1997
OlderTypical 1978Newer

Newer than 79% of homes nearby

How 9514 Ray Rd ranks against every home in each area.
MeasureThis homeGaines 48436Genesee County
Estimated valuepricier than$292,91155% of homes80% of homes
Price per ft²pricier than$15825% of homes66% of homes
Living areabigger than1,856 ft²72% of homes80% of homes
Lot sizebigger than2 ac50% of homes89% of homes
Year builtnewer than199779% of homes85% of homes

About 9514 Ray Rd

How much is 9514 Ray Rd, Gaines, MI worth?

The TopHap Estimate for 9514 Ray Rd, Gaines, MI is $292,911 as of Aug 30, 2026. The likely range is $275,713 to $310,109. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 9514 Ray Rd, Gaines, MI last sell?

9514 Ray Rd, Gaines, MI last sold on Dec 13, 2007 for $129,000, according to the county's recorded deed.

How big is 9514 Ray Rd, Gaines, MI?

9514 Ray Rd, Gaines, MI has 3 bedrooms, 3 bathrooms, 1,856 square feet of living space and a 2.00-acre lot.

When was 9514 Ray Rd, Gaines, MI built?

9514 Ray Rd, Gaines, MI was built in 1997, making it 29 years old. The building has 1 story.

What schools serve 9514 Ray Rd, Gaines, MI?

9514 Ray Rd, Gaines, MI is assigned to Gaines Elementary School (elementary), rated B; 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 9514 Ray Rd, Gaines, MI compare to other homes in Gaines 48436?

Among the 1,459 homes in Gaines 48436, it is worth more than 55% of them ($292,911 against a typical $275,879), its price per square foot is higher than 25% of them ($158 against a typical $188), it is bigger than 72% of them (1,856 ft² against a typical 1,523 ft²), its lot is bigger than 50% of them (2 ac against a typical 2.01 ac) and it is newer than 79% of them (1997 against a typical 1978). Measured against all of Genesee County, it is worth more than 80% 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 9514 Ray Rd, Gaines, MI?

The 2025 property tax bill for 9514 Ray Rd, Gaines, MI was $907. The county assessed it at $123,800.

More homes on Ray Rd

Closest homes

More homes in Gaines 48436

Assigned schools

Explore the area

See this home in context

Open 9514 Ray Rd on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map