Manitowoc County property record for 120 Davis St, Two Rivers, WI 54241
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,002 sqft · built 1983 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,249 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Mar 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 53-315-008-180.05 |
| Primary APN | 53-315-008-180.05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,002 sqft Living Area |
| Gross Area | 2,905 sqft |
| Basement Area | 988 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 7,754 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 404 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 5194 |
|---|---|
| Street Address | 120 DAVIS ST |
| City | TWO RIVERS |
| State | WI |
| Zip | 54241-3202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | MTWC BEACH ADD LOTS 18 & 19 BLK 8 |
| Legal Subdivision | MTWC BEACH ADD |
| Legal Block | 8 |
| Legal Lot Number | 18,19 |
| Jurisdiction | MANITOWOC WI |
| Township / Civil Division | TWO RIVERS |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 5400 |
120 Davis St is owned and occupied by an individual.
Source: Manitowoc County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 DAVIS ST, TWO RIVERS, WI 54241-3202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNITEDONE CREDIT UNION |
| Mar 9, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITEDONE CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Sep 29, 2026 |
| Property Address | 120 DAVIS ST, TWO RIVERS, WI 54241-3202 |
| Document Number | 0001299708 |
| Book / Page | 3795 / 29 |
| Instrument Date | Sep 24, 2026 |
| Instrument | 20261299708 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 120 DAVIS ST, TWO RIVERS, WI 54241-3202 |
| Document Number | 0001299708, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 3795/29 |
| Instrument | 20261299708 |
| Name | UNITEDONE CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 15, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Property Address | 120 DAVIS ST, TWO RIVERS, WI 54241-3202 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003480/362 |
|---|---|
| Date | Mar 9, 2022 |
| Book Page | 3480/362 |
| Instrument | 1248555 |
| Name | UNITEDONE CU |
|---|---|
| Type | Credit Union |
| Address | MANITOWOC, WI 54220 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Apr 1, 2027 |
The 2025 property tax bill for 120 Davis St was $3,249 with exemptions applied.
Source: Manitowoc County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Manitowoc County |
| Municipality | Two Rivers City |
| Unified School District | Two Rivers School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,249.00 Homeowner's exemption | $200,900 Land $14,500 Building $186,400 | $232,270 Land $16,764 Building $215,506 |
| 2023 | $2,209.00 Homeowner's exemption | $91,800 Land $4,200 Building $87,600 | $145,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 120 Davis St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 22, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2021 · rainfall accumulation |
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.
Wildfire risk around 120 Davis St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Wisconsin |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TWO RIVERS WATERWORKS serves 11,270 people · EPA ID WI4360436 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 13 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
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