3121 Monroe St, Two Rivers, WI 54241 Property Records

Manitowoc County property record for 3121 Monroe St, Two Rivers, WI 54241

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,384 sqft · built 1977
Lot Size	0.434 acres (18,905 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jan 2026)
Tax Bill	$5,330 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`53-107-002-310.03`

Property Details

APN / Parcel Number

Primary APN	`53-107-002-310.03`
Alternative APNs	`053-107-002-310.03` `1070023103`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,384 sqft Living Area
Gross Area	4,256 sqft
Basement Area	1,222 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	18,905 sqft (0.434 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3121 MONROE ST
City	TWO RIVERS
State	WI
Zip	54241-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BOLDUS SUB LOTS 31 & 32 BLK 2 & 9` OF VAC ALLEY
Legal Subdivision	BOLDUS SUB
Legal Block	2,9
Legal Lot Number	31,32
Jurisdiction	MANITOWOC WI
Township / Civil Division	TWO RIVERS
Census Block Group	3
Census Block	3004
Census Tract	5200

Owner

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	2 Individual Names on Record
Mailing Address	3121 MONROE ST, TWO RIVERS, WI 54241-1743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITEDONE CU
Jan 30, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 3, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 6, 2024	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL MANITOWOC
Jun 7, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITEDONE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	Jun 7, 2023 · Amount on Record
Deed Document Number	20261291799
Deed Book / Page	3743 / 341
Prior Transfer Date	Sep 6, 2024
Prior Transfer Doc	003640/318
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	3111 MONROE ST, TWO RIVERS, WI 54241-1743
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003584/298
Date	Oct 6, 2023
Book Page	3584/298
Instrument	1266444

Lender

Name	UNITEDONE CU
Type	Credit Union
Address	MANITOWOC, WI 54220

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANITOWOC WI
Recording Date	Jan 30, 2026
Property Address	3111 MONROE ST, TWO RIVERS, WI 54241-1743
Document Number	003743/341
Book / Page	3743 / 341
Instrument Date	Jan 30, 2026
Instrument	1291799
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 MONROE ST, TWO RIVERS, WI 54241-1743

Mortgage

Document Number	0001291800
Date	Jan 30, 2026
Instrument	1291800

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MANITOWOC WI
Recording Date	Jul 3, 2025
Property Address	3111 MONROE ST, TWO RIVERS, WI 54241-1743
Document Number	003701/123
Book / Page	3701 / 123
Instrument Date	Jul 1, 2025
Instrument	1285151
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Tax	$6.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3121 MONROE ST, TWO RIVERS, WI 54241-1743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3111 MONROE ST, TWO RIVERS, WI 54241-1743

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MANITOWOC WI
Recording Date	Sep 6, 2024
Property Address	3111 MONROE ST, TWO RIVERS, WI 54241-1743
Document Number	003640/318
Book / Page	3640 / 318
Instrument Date	Sep 6, 2024
Instrument	1275815
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL MANITOWOC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 MONROE ST, TWO RIVERS, WI 54241-1743
Investor	Possibly a Property Investor

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANITOWOC WI
Recording Date	Jun 7, 2023
Property Address	3111 MONROE ST, TWO RIVERS, WI 54241-1743
Document Number	00003564/1
Book / Page	3564 / 1
Instrument Date	Jun 7, 2023
Instrument	1263040
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	STOCK TITLE SERVICES LLC, STARCK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3121 MONROE ST, TWO RIVERS, WI 54241-1743
Investor	Possibly a Property Investor

Mortgage

Document Number	0001263041
Date	Jun 7, 2023
Instrument	1263041

Lender

Name	UNITEDONE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	11.7%

Tax Assessment & Valuation

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	$5,330.00 (+4.92%)	$310,400 (-) Land $26,900 Building $283,500	$358,868 (+57.67%) Land $31,100 Building $327,768
2024	$5,080.00 (+40.6%)	$310,400 (+116.46%) Land $26,900 Building $283,500
2023	$3,613.00 Homeowner's exemption	$143,400 Land $23,200 Building $120,200	$227,600

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

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 94% of Wisconsin
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 547 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: Verizon, Xfinity.

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