3705 Adams St, Two Rivers, WI 54241 Property Records

Manitowoc County property record for 3705 Adams St, Two Rivers, WI 54241

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,936 sqft · built 1963
Lot Size	1.62 acres (70,654 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Dec 2024)
Tax Bill	$8,651 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-225-303-231.08`

Property Details

APN / Parcel Number

Primary APN	`53-225-303-231.08`
Alternative APNs	`053-225-303-231.08` `2253032318`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,936 sqft Living Area
Gross Area	7,125 sqft
Basement Area	2,431 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood
Roof Material	Other
Lot Area	70,654 sqft
Total Buildings	2 Buildings

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	3705 ADAMS ST
City	TWO RIVERS
State	WI
Zip	54241-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT OF LAND SW1/4 SW1/4 S25 T20N R24E DESC COMMENCING AT NE CORNER OF LOT 8 BLK 13 STILL BEND ADD N197.06` & 7.38` E 60.02` TO POB N224.10` E442.75` (MORE OR LESS) SW320` (MORE OR LESS)W209` (MORE OR LESS) TO POB
Legal Subdivision	STILL BEND ADD
Legal Block	13
Legal Lot Number	8
Jurisdiction	MANITOWOC WI
Township / Civil Division	TWO RIVERS
Census Block Group	3
Census Block	3001
Census Tract	5200

Owner

3705 Adams St is owned by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1220 BARDS AVE, NAPERVILLE, IL 60564-3158
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

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Dec 29, 2023	Transfer on Death Deed, Transfer
Sep 29, 2021	Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL MANITOWOC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2024 · Amount on File
Deed Sale	Dec 18, 2024 · Amount on File
Prior Sale	Sep 29, 2021 · Amount on File
Deed Document Number	20241279061
Deed Book / Page	3662 / 198
Transfer Doc	0001268714
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	3705 ADAMS ST, TWO RIVERS, WI 54241-1403
Transaction Type	Mortgage
Record Updated	Jan 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1220 BARDS AVE, NAPERVILLE, IL 60564-3158

Mortgage

Document Number	003735/682
Date	Dec 19, 2025
Book Page	3735/682
Instrument	1290600

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

December 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MANITOWOC WI
Recording Date	Dec 29, 2023
Property Address	TWO RIVERS, WI 54241
Document Number	003597/462
Book / Page	3597 / 462
Instrument Date	Dec 14, 2023
Instrument	1268715
Transaction Type	Transfer
Record Updated	Apr 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3006 ROYAL DR, KILGORE, TX 75662-3031

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MANITOWOC WI
Recording Date	Sep 29, 2021
Property Address	TWO RIVERS, WI 54241
Document Number	003442/583
Book / Page	3442 / 583
Instrument Date	Sep 22, 2021
Instrument	1242076
Transaction Type	Transfer
Record Updated	Apr 15, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL MANITOWOC

Transaction

Amount	Amount on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3006 ROYAL DR, KILGORE, TX 75662-3031

Tax Assessment & Valuation

The 2025 property tax bill for 3705 Adams St was $8,651, up 13.3% 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	$8,651.00 (+13.31%)	$501,600 (+8.01%) Land $89,700 Building $411,900	$579,925 Land $103,707 Building $476,218
2024	$7,635.00 (+24.19%)	$464,400 (+103.51%) Land $89,700 Building $374,700
2023	$6,148.00 (+6.61%)	$228,200 (-) Land $73,100 Building $155,100	$362,100 (+15.76%)
2022	$5,767.00 Homeowner's exemption	$228,200 Land $73,100 Building $155,100	$312,800

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 3705 Adams St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3705 Adams 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.

Nearby Properties on Adams St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures