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Single Family ResidenceResidential
$458,962$168 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $400,000 on May 6, 2024

4840 COTTAGE LN

TWO RIVERS, WI 54241
3
Beds
3.5
Baths
2,737 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1998
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$459K
$421K low$497K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$400,000 · May 6, 2024
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$138,962
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$111,170
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.72%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$320,000
GUILD MORTGAGE CO · recorded May 6, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,211 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$361,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$329,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$359,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$273,900

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyMANITOWOC
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Clarke Middle SchoolD-
Middle · Grades 5–8 · 2.0 mi
E
Joseph Koenig Elementary SchoolC-
Elementary · Grades KG–4 · 2.1 mi
H
Two Rivers High SchoolC+
High · Grades 9–12 · 3.3 mi

District: Two Rivers School District

Neighborhood · ZIP 54241These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.115
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.15,006
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.206 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,949
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$77,639
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.31 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4840 Cottage Ln measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 96% of homes in Two Rivers 54241
  • Costs more per square foot than 81% of homes in Two Rivers 54241
  • Bigger than 94% of homes in Manitowoc County
  • Has a bigger lot than 79% of homes in Two Rivers 54241
  • Newer than 96% of homes in Two Rivers 54241

What homes are worth in Two Rivers 54241

Each bar is how many homes fall in that price range. The marker is this home.

This home
$76K$533K

This home is worth more than 96% of homes in Two Rivers 54241.

How it measures up in Two Rivers 54241

The dot is this home. The mark in the middle is the typical home in Two Rivers 54241.

Estimated value$458,962
CheaperTypical $196,021Pricier

Pricier than 96% of homes nearby

Price per ft²$168
CheaperTypical $127Pricier

Pricier than 81% of homes nearby

Living area2,737 ft²
SmallerTypical 1,548 ft²Bigger

Bigger than 89% of homes nearby

Lot size1.15 ac
SmallerTypical 0.24 acBigger

Bigger than 79% of homes nearby

Year built1998
OlderTypical 1950Newer

Newer than 96% of homes nearby

How 4840 Cottage Ln ranks against every home in each area.
MeasureThis homeTwo Rivers 54241Manitowoc County
Estimated valuepricier than$458,96296% of homes91% of homes
Price per ft²pricier than$16881% of homes68% of homes
Living areabigger than2,737 ft²89% of homes94% of homes
Lot sizebigger than1.15 ac79% of homes69% of homes
Year builtnewer than199896% of homes93% of homes

About 4840 Cottage Ln

How much is 4840 Cottage Ln, Two Rivers, WI worth?

The TopHap Estimate for 4840 Cottage Ln, Two Rivers, WI is $458,962 as of Jul 14, 2026. The likely range is $420,695 to $497,229. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4840 Cottage Ln, Two Rivers, WI last sell?

4840 Cottage Ln, Two Rivers, WI last sold on May 6, 2024 for $400,000, according to the county's recorded deed.

How big is 4840 Cottage Ln, Two Rivers, WI?

4840 Cottage Ln, Two Rivers, WI has 3 bedrooms, 3.5 bathrooms and 2,737 square feet of living space.

When was 4840 Cottage Ln, Two Rivers, WI built?

4840 Cottage Ln, Two Rivers, WI was built in 1998, making it 28 years old. It is a ranch home. The building has 1 story.

What schools serve 4840 Cottage Ln, Two Rivers, WI?

4840 Cottage Ln, Two Rivers, WI is assigned to Clarke Middle School (middle), rated D-; Joseph Koenig Elementary School (elementary), rated C-; Two Rivers High School (high), rated C+. All sit in Two Rivers School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4840 Cottage Ln, Two Rivers, WI compare to other homes in Two Rivers 54241?

Among the 6,381 homes in Two Rivers 54241, it is worth more than 96% of them ($458,962 against a typical $196,021), its price per square foot is higher than 81% of them ($168 against a typical $127), it is bigger than 89% of them (2,737 ft² against a typical 1,548 ft²), its lot is bigger than 79% of them (1.15 ac against a typical 0.24 ac) and it is newer than 96% of them (1998 against a typical 1950). Measured against all of Manitowoc County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4840 Cottage Ln, Two Rivers, WI?

The 2025 property tax bill for 4840 Cottage Ln, Two Rivers, WI was $6,211. The county assessed it at $361,100.

Closest homes

More homes in Two Rivers 54241

Assigned schools

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