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1618 20th St, Two Rivers, WI, 54241

4beds
2baths
1,978sqft
$159,900
$81price/sqft
$1,204/moest. monthly cost
$48,160/yrincome needed

About This Home

Welcome to this clean and well maintained upper/lower duplex with a detached garage. Both units are rented out and tenants pay all utilities. Lower unit is rented for $825 MTM. Upper unit is rented for $795 MTM. Property has vinyl windows, a great condition roof, and brick foundation. Upper unit has in-unit laundry and a balcony. Each unit has their own driveway. Seller is a licensed real estate agent. 24 hour notice is required. Foundation is Brick.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

3/10
Koenig Elementary SchoolGrades PK-40.8 mi
2/10
Clarke Middle SchoolGrades 5-81.9 mi
5/10
Two Rivers High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1903

Materials

  • Foundation: Other
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,978

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Forced Air

Interior Area

  • Total interior livable area: 1,978 sqft

Property

Accessibility

  • Accessibility features: 1st Floor Bedroom,1st Floor Full Bath

Details

  • Parcel number: 0000350809
  • Zoning: 2 Family/Duplex

Lot

  • Lot size: 9,147 sqft
  • Features: Sidewalk

Parking

  • Total spaces: 1
  • Parking features: Detached
  • Has garage: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hail
Heat Wave
Lightning
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Wisconsin Counties

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $808$9,696
Home Insurance *$71$852
Property Taxes $140$1,680
Electricity $185$2,230
Total$1,204$14,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,280/yr
40% on housing$36,120/yr
45% on housing$32,106/yr

Wisconsin FAIR Plan Programs

Wisconsin Insurance Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 5,246Commercial: 198
Total Premiums$4.55M
Total Exposure$860.28M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 3.6%
3.6%
0%15.0%
Property Taxes Growth Rate2-year average: -1.7%
-1.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$81This listing

vs Other Active Listings

Avg $/sqft

ZIP 54241$151
Manitowoc County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 54241$146
Manitowoc County$150

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-14Contingent$159,900
2026-07-08Listed for sale$159,900

For Sale by Agent

AgentKevin J Gracyalny
BrokerageRuesch Realty

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