Manitowoc County property record for 4015 Ray St, Manitowoc, WI 54220
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,600 sqft · built 1991 |
| Lot Size | 0.211 acres (9,191 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Jun 2023) |
| Tax Bill | $3,917 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Jun 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-559-005-130.00 |
| Primary APN | 52-559-005-130.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| Gross Area | 2,600 sqft |
| 1st Floor Area | 1,300 sqft |
| Basement Area | 1,000 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,191 sqft (0.211 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Frame Porch |
| Deck Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 4015 RAY ST |
|---|---|
| City | MANITOWOC |
| State | WI |
| Zip | 54220-4212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRAIRIE ACRES SUBD NO 3 LOT 13 BLOCK 5 |
| Legal Subdivision | PRAIRIE ACRES SUB |
| Legal Block | 5 |
| Legal Lot Number | 13 |
| Jurisdiction | MANITOWOC WI |
| Township / Civil Division | MANITOWOC |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 600 |
Source: Manitowoc County records, as of June 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2023 | Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA |
| Jun 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA |
| Sep 20, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Nov 27, 2018 | Warranty Deed, Transfer · Conventional Mortgage UNITEDONE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2023 · Amount on Record |
| Deed Sale | Jun 29, 2023 · Amount on Record |
| Prior Sale | Nov 27, 2018 · Amount on Record |
| Deed Document Number | 20231263749 |
| Deed Book / Page | 3568 / 124 |
| Prior Transfer Date | Apr 9, 2019 |
| Prior Transfer Doc | 003439/740 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Property Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0003584/14 |
|---|---|
| Date | Oct 4, 2023 |
| Book Page | 3584/14 |
| Instrument | 1266378 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Jun 29, 2023 |
| Property Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Document Number | 003568/124 |
| Book / Page | 3568 / 124 |
| Instrument Date | Jun 29, 2023 |
| Instrument | 1263749 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Document Number | 0001263750 |
|---|---|
| Date | Jun 29, 2023 |
| Instrument | 1263750 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Jul 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.1% |
| Index | 1-Year T-Bill |
| Max Rate | 11.1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Sep 20, 2021 |
| Property Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Document Number | 3439/740 |
| Book / Page | 3439 / 740 |
| Instrument Date | Apr 9, 2019 |
| Instrument | 1241609 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MANITOWOC WI |
| Recording Date | Nov 27, 2018 |
| Property Address | 4015 RAY ST, MANITOWOC, WI 54220-4212 |
| Document Number | 0001200658 |
| Book / Page | 003188 / 000001 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 1200658 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $524.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4015 RAY ST MANITOWOC WI 542204212, MANITOWOC, WI 54220-4212 |
| Document Number | 1200659 |
|---|---|
| Date | Nov 27, 2018 |
| Book Page | 003188/000002 |
| Instrument | 1200659 |
| Name | UNITEDONE CU |
|---|---|
| Type | Credit Union |
| Address | MANITOWOC, WI 54220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.24% |
Source: Manitowoc County assessment roll, as of June 12, 2026
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Manitowoc County |
| Municipality | Manitowoc City |
| Unified School District | Manitowoc School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,917.00 (+5.72%) | $270,500 (+21.03%) Land $20,500 Building $250,000 | $274,728 (+22.81%) Land $20,820 Building $253,908 |
| 2024 | $3,705.00 (+8.75%) | $223,500 (-) Land $20,500 Building $203,000 | |
| 2023 | $3,407.00 (+13.76%) Homeowner's exemption | $223,500 (+35.87%) Land $20,500 Building $203,000 | $223,700 (+16.33%) Land $20,518 Building $203,182 |
| 2022 | $2,995.00 Homeowner's exemption | $164,500 Land $20,500 Building $144,000 | $192,300 Land $23,964 Building $168,336 |
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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MANITOWOC WATERWORKS serves 34,500 people · EPA ID WI4360364 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 8 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 434 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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