3122 Monroe St, Two Rivers, WI 54241 Property Records

Manitowoc County property record for 3122 Monroe St, Two Rivers, WI 54241

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,625 sqft · built 1960
Lot Size	0.157 acres (6,839 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,815 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-107-003-030.00`

Property Details

APN / Parcel Number

Primary APN	`53-107-003-030.00`
Alternative APNs	`053-107-003-030.00` `1070030300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,625 sqft Living Area
Gross Area	3,134 sqft
Basement Area	1,300 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,839 sqft (0.157 acres)
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3122 MONROE ST
City	TWO RIVERS
State	WI
Zip	54241-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BOLDUS SUB LOT 3 BLK 3 & PT OF VAC ALLEY LYING E OF N`LY EXT OF E LINE OF LOT 15
Legal Subdivision	BOLDUS SUB
Legal Block	3
Legal Lot Number	3,15
Jurisdiction	MANITOWOC WI
Township / Civil Division	TWO RIVERS
Census Block Group	3
Census Block	3014
Census Tract	5200

Owner

3122 Monroe St is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3122 MONROE ST, TWO RIVERS, WI 54241-1744
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Line of Credit BANK FIRST NA
May 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage BANK FIRST NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2016
Deed Sale	Dec 20, 2016
Prior Sale	Sep 18, 2006 · Amount on File
Deed Document Number	20161176109
Last Transfer Date	Mar 26, 2021
Transfer Doc	003400/657
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	3122 MONROE ST, TWO RIVERS, WI 54241-1744
Transaction Type	Mortgage
Record Updated	Dec 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3456/188
Date	Nov 22, 2021
Book Page	3456/188
Instrument	1244368

Lender

Name	BANK FIRST NA
Type	Bank
Address	MANITOWOC, WI 54220

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MANITOWOC WI
Recording Date	May 4, 2021
Property Address	3122 MONROE ST, TWO RIVERS, WI 54241-1744
Document Number	3400/657
Book / Page	3400 / 657
Instrument Date	Mar 26, 2021
Instrument	1235346
Transaction Type	Transfer
Record Updated	May 21, 2021

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	3122 MONROE ST, TWO RIVERS, WI 54241-1744

Mortgage

Document Number	1235347
Date	May 4, 2021
Instrument	1235347

Lender

Name	BANK FIRST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Apr 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 3122 Monroe St was $2,815 with exemptions applied, up 7.1% 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	$2,815.00 (+7.12%) Homeowner's exemption Additional exemption filed	$175,900 (-) Land $15,300 Building $160,600	$203,366 Land $17,689 Building $185,677
2024	$2,628.00 (+6.87%)	$175,900 (+74.16%) Land $15,300 Building $160,600
2023	$2,459.00 Homeowner's exemption	$101,000 Land $13,900 Building $87,100	$160,300

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

Flood

FEMA maps place 3122 Monroe 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 3122 Monroe 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 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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