2012 Crystal Spring Rd, Two Rivers, WI 54241 Property Records

Manitowoc County property record for 2012 Crystal Spring Rd, Two Rivers, WI 54241 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$455,500 (Apr 2023)
Tax Bill	$5,526 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Mar 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`18-122-010-005.00`

Property Details

APN / Parcel Number

Primary APN	`18-122-010-005.00`
Alternative APN	`018-122-010-005.00`

Exterior

Lot Area	217,800 sqft

Location & Zoning

Street Address	2012 CRYSTAL SPRING RD
City	TWO RIVERS
State	WI
Zip	54241-9368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 466.5 OF E 466.5 OF W933 S3/4 NW1/4 SW1/4
Legal Range	24E
Legal Township	20N
Legal Section	22
Jurisdiction	MANITOWOC WI
Township / Civil Division	TWO RIVERS
Census Block Group	3
Census Block	3005
Census Tract	10100

Owner

Source: Manitowoc County records · APN 18-122-010-005.00

Assessment roll updated June 12, 2026 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage SAXTON MORTGAGE LLC
Apr 14, 2023	Warranty Deed, Transfer · FHA Mortgage PEOPLES BANK
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage FOX COMMUNITIES CU
Mar 01, 2022	Deed of Trust, Mortgage · Line of Credit BANK FIRST NA
Jun 27, 2017	Deed of Trust, Mortgage · Line of Credit BANK FIRST NAT'L

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Sep 27, 2022 · Amount on Record
Deed Document Number	20231261519
Deed Book / Page	3554 / 435
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Transaction Type	Mortgage
Record Updated	Apr 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003753/62
Date	Mar 24, 2026
Book Page	3753/62
Instrument	1293299

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 13, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368

Mortgage

Document Number	003751/627
Date	Mar 16, 2026
Book Page	3751/627
Instrument	1293094

Lender

Name	SAXTON MORTGAGE LLC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Apr 01, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	SOFR Average 30-Day
Max Rate	9.87%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANITOWOC WI
Recording Date	Apr 14, 2023
Property Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Document Number	003554/435
Book / Page	3554 / 435
Instrument Date	Apr 10, 2023
Instrument	1261519
Transaction Type	Transfer
Record Updated	May 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,366.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001261520
Date	Apr 14, 2023
Instrument	1261520

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANITOWOC WI
Recording Date	Sep 27, 2022
Property Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Document Number	003524/628
Book / Page	3524 / 628
Instrument Date	Sep 22, 2022
Instrument	1256225
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,337.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003524/630
Date	Sep 27, 2022
Book Page	3524/630
Instrument	1256226

Lender

Name	FOX COMMUNITIES CU
Type	Credit Union
Address	APPLETON, WI 54913

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Type Change Date	Oct 01, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.99%
Index	1-Year CMT
Max Rate	8.99%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003478/518
Date	Mar 01, 2022
Book Page	3478/518
Instrument	1248273

Lender

Name	BANK FIRST NA
Type	Bank
Address	MANITOWOC, WI 54220

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	2012 CRYSTAL SPRING RD, TWO RIVERS, WI 54241-9368
Document Number	0001185322
Book / Page	003103 / 000398
Instrument Date	Jun 27, 2017
Transaction Type	Mortgage
Record Updated	Sep 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2012 CRYSTAL SPRING RD TWO RIVERS WI 542419368, TWO RIVERS, WI 54241-9368

Mortgage

Document Number	0001185322
Date	Sep 05, 2017
Book Page	003103/000398
Instrument	1185322

Lender

Name	BANK FIRST NAT'L
Type	Bank
Address	MANITOWOC, WI 54220

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Manitowoc County records · Assessment roll updated June 12, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Manitowoc County
County Subdivision	Two Rivers Town
Unified School District	Two Rivers School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,526.00 (+2.37%)	$421,200 (-) Land $47,500 Building $373,700	$544,902 (+29.62%) Land $61,450 Building $483,452
2024	$5,398.00 (+18.74%)	$421,200 (-) Land $47,500 Building $373,700
2023	$4,546.00 (+2.73%) Homeowner's exemption	$421,200 (+41.87%) Land $47,500 Building $373,700	$420,386 (+8.91%) Land $47,408 Building $372,978
2022	$4,425.00 Homeowner's exemption	$296,900 Land $37,500 Building $259,400	$385,992 Land $48,753 Building $337,239

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Manitowoc County (55071C), updated February 22, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 550710101003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 57% of Wisconsin
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 60 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Bertram Communications	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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