4205 Clover St, Two Rivers, WI 54241 Property Records

Manitowoc County property record for 4205 Clover St, Two Rivers, WI 54241

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,008 sqft · built 1983
Lot Size	0.411 acres (17,903 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Apr 2022)
Tax Bill	$5,966 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`53-110-002-050.02`

Property Details

APN / Parcel Number

Primary APN	`53-110-002-050.02`
Alternative APNs	`053-110-002-050.02` `1100020502`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,008 sqft Living Area
Gross Area	4,731 sqft
Basement Area	1,314 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	17,903 sqft (0.411 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

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	4205 CLOVER ST
City	TWO RIVERS
State	WI
Zip	54241-1243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CARRON & GOETZ`S CEDAR HEIGHTS SUB PT OF LOT 4 DESC IN V 707 P 782 & ALL OF LOT 5 BLK 2
Legal Subdivision	CEDAR HEIGHTS SUB
Legal Block	2
Legal Lot Number	4,5
Jurisdiction	MANITOWOC WI
Township / Civil Division	TWO RIVERS
Census Block Group	1
Census Block	1021
Census Tract	5200

Owner

4205 Clover St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4205 CLOVER ST, TWO RIVERS, WI 54241-1243
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 19, 2025	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP
Apr 22, 2022	Warranty Deed, Transfer · FHA Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on File
Deed Sale	Apr 22, 2022 · Amount on File
Deed Document Number	20221250344
Deed Book / Page	3491 / 16
Prior Transfer Date	Sep 4, 2018
Prior Transfer Doc	3174/160
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MANITOWOC WI
Property Address	4205 CLOVER ST, TWO RIVERS, WI 54241-1243
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4205 CLOVER ST, TWO RIVERS, WI 54241-1243

Mortgage

Document Number	003729/503
Date	Nov 19, 2025
Book Page	3729/503
Instrument	1289572

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MANITOWOC WI
Recording Date	Apr 22, 2022
Property Address	4205 CLOVER ST, TWO RIVERS, WI 54241-1243
Document Number	0003491/16
Book / Page	3491 / 16
Instrument Date	Apr 22, 2022
Instrument	1250344
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4205 CLOVER ST, TWO RIVERS, WI 54241-1243

Mortgage

Document Number	0001250345
Date	Apr 22, 2022
Instrument	1250345

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4205 Clover St was $5,966 with exemptions applied, up 4.9% 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	$5,966.00 (+4.89%) Homeowner's exemption Additional exemption filed	$347,000 (-) Land $33,700 Building $313,300	$401,183 Land $38,962 Building $362,221
2024	$5,688.00 (+37.56%)	$347,000 (+125.03%) Land $33,700 Building $313,300
2023	$4,135.00	$154,200 Land $25,800 Building $128,400	$244,700

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

Flood

FEMA maps place 4205 Clover St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective February 22, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4205 Clover 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 98% of the US · lower than 94% 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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Bertram Communications Fixed Wireless	100 / 20

May also be available: Frontier.

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