Manitowoc County property record for 2815 46th St, Two Rivers, WI 54241
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,890 sqft · built 1976 |
| Lot Size | 0.246 acres (10,716 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Jun 2023) |
| Tax Bill | $5,234 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 53-139-000-040.06 |
| Primary APN | 53-139-000-040.06 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,890 sqft Living Area |
| Gross Area | 3,252 sqft |
| Basement Area | 1,260 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Material | Asphalt |
| Lot Area | 10,716 sqft (0.246 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2815 46TH ST |
|---|---|
| City | TWO RIVERS |
| State | WI |
| Zip | 54241-1012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LODEL`S SUB LOT 4 |
| Legal Subdivision | LODELS SUB |
| Legal Lot Number | 4 |
| Jurisdiction | MANITOWOC WI |
| Township / Civil Division | TWO RIVERS |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 5200 |
2815 46th St is owned and occupied by two individuals who bought it in June 2023.
Source: Manitowoc County records, as of June 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| 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.
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SHORELINE CU |
| Nov 3, 2025 | Deed of Trust, Mortgage · FHA Mortgage MLD MORTGAGE |
| Dec 16, 2025 | Correction Deed UNKNOWN, CT |
| Jun 15, 2023 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Feb 7, 2022 | Warranty Deed, Transfer · Conventional Mortgage FOX COMMUNITIES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2023 · Amount on File |
| Deed Sale | Jun 15, 2023 · Amount on File |
| Prior Sale | Feb 7, 2022 · Amount on File |
| Deed Document Number | 20231263262 |
| Deed Book / Page | 3565 / 265 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Property Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003394/526 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | 3394/526 |
| Instrument | 1234324 |
| Name | SHORELINE CU |
|---|---|
| Type | Credit Union |
| Address | TWO RIVERS, WI 54241 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Property Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Document Number | 003725/620 |
|---|---|
| Date | Nov 3, 2025 |
| Book Page | 3725/620 |
| Instrument | 1289014 |
| Name | MLD MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FLORHAM PARK, NJ 07932 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2055 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Dec 16, 2025 |
| Property Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Document Number | 003735/135 |
| Book / Page | 3735 / 135 |
| Instrument Date | Dec 16, 2025 |
| Instrument | 1290462 |
| Record Updated | Jan 1, 2026 |
| Title Company | UNKNOWN, CT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 30B VREELAND RD # RD200, RD200, FLORHAM PARK, NJ 07932-1926 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Jun 15, 2023 |
| Property Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Document Number | 003565/265 |
| Book / Page | 3565 / 265 |
| Instrument Date | Jun 13, 2023 |
| Instrument | 1263262 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE/MANITOWOC, FIRST AMER TTL MANITOWOC WI |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $915.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Document Number | 0001263263 |
|---|---|
| Date | Jun 15, 2023 |
| Instrument | 1263263 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Feb 7, 2022 |
| Property Address | 2815 46TH ST, TWO RIVERS, WI 54241-1012 |
| Document Number | 003473/604 |
| Book / Page | 3473 / 604 |
| Instrument Date | Feb 3, 2022 |
| Instrument | 1247474 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $367.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0001247475 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 1247475 |
| Name | FOX COMMUNITIES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Mar 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 8.5% |
The 2025 property tax bill for 2815 46th St was $5,234 with exemptions applied, up 1.4% from the year before.
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 | $5,234.00 (+1.43%) Homeowner's exemption | $315,200 (-) Land $27,600 Building $287,600 | $364,418 (+16.73%) Land $31,910 Building $332,508 |
| 2024 | $5,160.00 (+116.81%) | $315,200 (+221.3%) Land $27,600 Building $287,600 | $312,193 (+100.51%) Land $27,337 Building $284,856 |
| 2023 | $2,380.00 (+5.22%) Homeowner's exemption | $98,100 (-) Land $19,400 Building $78,700 | $155,700 (+15.76%) |
| 2022 | $2,262.00 Homeowner's exemption | $98,100 Land $19,400 Building $78,700 | $134,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2815 46th 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 risk around 2815 46th 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 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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