Manitowoc County property record for 2810 46th St, Two Rivers, WI 54241
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,434 sqft · built 1994 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,091 (2025) |
| Deeds & Mortgages | Dec 2025 Second Mortgage Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 53-139-000-080.07 |
| Primary APN | 53-139-000-080.07 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,434 sqft Living Area |
| Gross Area | 3,010 sqft |
| Basement Area | 1,434 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 10,672 sqft (0.245 acres) |
| Garage Type | Detached |
| Garage Area | 576 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 | 2794 |
|---|---|
| Street Address | 2810 46TH ST |
| City | TWO RIVERS |
| State | WI |
| Zip | 54241-1013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LODEL`S SUB E 69` OF LOT 8 & W 6` OF LOT 7 |
| Legal Subdivision | LODELS SUB |
| Legal Lot Number | 8,7 |
| Jurisdiction | MANITOWOC WI |
| Township / Civil Division | TWO RIVERS |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 5200 |
Source: Manitowoc County records, as of June 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2810 46TH ST, TWO RIVERS, WI 54241-1013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANK FIRST NA |
| Apr 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK FIRST NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 6, 2016 |
| Transfer Doc | 1173477 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Property Address | 2810 46TH ST, TWO RIVERS, WI 54241-1013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003736/355 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 3736/355 |
| Instrument | 1290673 |
| Name | BANK FIRST NA |
|---|---|
| Type | Bank |
| Address | MANITOWOC, WI 54220 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Property Address | 2810 46TH ST, TWO RIVERS, WI 54241-1013 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 003487/103 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 3487/103 |
| Instrument | 1249667 |
| Name | BANK FIRST NA |
|---|---|
| Type | Bank |
| Address | MANITOWOC, WI 54220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | May 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.99% |
| Max Rate At Change | 4.99% |
| Index | 1-Year CMT |
| Max Rate | 8.99% |
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 | $3,091.00 (+6.88%) Homeowner's exemption Additional exemption filed | $191,800 (-) Land $27,600 Building $164,200 | $221,750 (+19.41%) Land $31,910 Building $189,840 |
| 2024 | $2,892.00 (-0.1%) | $191,800 (+63.93%) Land $27,600 Building $164,200 | |
| 2023 | $2,895.00 Homeowner's exemption | $117,000 Land $19,300 Building $97,700 | $185,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 92% 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.
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 272 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
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