2322 38th St, Two Rivers, WI 54241 Property Records

Manitowoc County property record for 2322 38th St, Two Rivers, WI 54241

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 754 sqft · built 1948
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Nov 2025)
Tax Bill	$1,742 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-301-004-040.00`

Property Details

APN / Parcel Number

Primary APN	`53-301-004-040.00`
Alternative APNs	`053-301-004-040.00` `3010040400` `4710`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	754 sqft Living Area
Gross Area	1,968 sqft
Basement Area	377 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	9,888 sqft (0.227 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	4710
Street Address	2322 38TH ST
City	TWO RIVERS
State	WI
Zip	54241-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SORENSON`S SUB LOT 4 BLK 4
Legal Subdivision	SORENSONS SUB
Legal Block	4
Legal Lot Number	4
Jurisdiction	MANITOWOC WI
Township / Civil Division	TWO RIVERS
Census Block Group	2
Census Block	2002
Census Tract	5200

Owner

2322 38th St is owned and occupied by two individuals who bought it in November 2025.

Source: Manitowoc County records, as of June 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2322 38TH ST, TWO RIVERS, WI 54241-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on File
Deed Sale	Nov 4, 2025 · Amount on File
Deed Document Number	20251289106
Deed Book / Page	3726 / 343
Prior Transfer Date	Jul 23, 2024
Prior Transfer Doc	003647/434
Record Updated	Sep 20, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MANITOWOC WI
Recording Date	Nov 4, 2025
Property Address	TWO RIVERS, WI 54241
Document Number	003726/343
Book / Page	3726 / 343
Instrument Date	Oct 23, 2025
Instrument	1289106
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FATICO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2322 38TH ST, TWO RIVERS, WI 54241-1417

Mortgage

Document Number	0001289107
Date	Nov 4, 2025
Instrument	1289107

Lender

Name	FOX COMMUNITIES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Nov 1, 2032
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	9.62%
Index	1-Year T-Bill
Max Rate	11.6%

Tax Assessment & Valuation

The 2025 property tax bill for 2322 38th St was $1,742, up 5.4% from the year before.

Source: Manitowoc County assessment roll, as of June 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,742.00 (+5.38%)	$103,800 (-) Land $22,300 Building $81,500	$120,008 (+16.73%) Land $25,782 Building $94,226
2024	$1,653.00 (+13.69%)	$103,800 (+86.36%) Land $22,300 Building $81,500	$102,809 (+16.3%) Land $22,087 Building $80,722
2023	$1,454.00	$55,700 Land $12,800 Building $42,900	$88,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2322 38th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 22, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2322 38th St is low, with less than 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 99.1% of the US · lower than 97.9% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 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

May also be available: AT&T, Verizon.

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