1650 Indian Rock Rd, Cool, CA 95614 Property Records

El Dorado County property record for 1650 Indian Rock Rd, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,736 sqft · built 1980
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Nov 2020)
Tax Bill	$6,263 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`071-310-005-000`

Property Details

APN / Parcel Number

Primary APN	`071-310-005-000`
Alternative APNs	`07131005100` `0713100510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
1st Floor Area	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Wood
Lot Area	87,120 sqft
Terrain	Rolling
View / Lot	Average
Patio Area	1,736 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	1650 INDIAN ROCK RD
City	COOL
State	CA
Zip	95614-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U
Legal Description	PM 15/56/A
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	1
Census Block	1028
Census Tract	30601

Owner

Source: El Dorado County records, as of September 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1650 INDIAN ROCK RD, COOL, CA 95614-9427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Nov 23, 2020	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on Record
Deed Sale	Nov 23, 2020 · Amount on Record
Prior Sale	Dec 17, 2013 · Amount on Record
Deed Document Number	202067898
Prior Transfer Date	Jan 22, 2011
Prior Transfer Doc	0000004247
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Recording Date	Aug 10, 2026
Property Address	1650 INDIAN ROCK RD, COOL, CA 95614-9427
Document Number	0000025934
Instrument Date	Jul 29, 2026
Instrument	202625934
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1650 INDIAN ROCK RD, COOL, CA 95614-9427

Mortgage

Document Number	0000025934,
Date	Aug 10, 2026
Instrument	202625934

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.43%
Max Rate	-1%

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Nov 23, 2020
Property Address	1650 INDIAN ROCK RD, COOL, CA 95614-9427
Document Number	0000067898
Map Reference	MB 15 PG 56
Instrument Date	Nov 17, 2020
Instrument	2020-0067898
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4360 PLASS DR, NAPA, CA 94558-1813

Mortgage

Document Number	0000067899
Date	Nov 23, 2020
Instrument	2020-0067899

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of September 16, 2026

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Unified School District	Black Oak Mine Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$585,161 (+2%) Land $165,611 Building $419,550
2025	$6,263.00 (+6.01%)	$573,688 (+4.04%) Land $162,364 Building $411,324
2024	$5,908.00 (+1.65%)
2023	$5,812.00 (+1.52%)	$551,412 Land $156,060 Building $395,352
2022	$5,725.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2022

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 88% of the US · above 70% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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	GEORGETOWN DIVIDE PUD serves 9,434 people · EPA ID CA0910013
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zeta Broadband Fixed Wireless	400 / 50
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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