1651 Digger Tree Ct, Cool, CA 95614 Property Records

El Dorado County property record for 1651 Digger Tree Ct, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,335 sqft · built 1989
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Feb 2018)
Tax Bill	$5,157 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-104-001-000`

Property Details

APN / Parcel Number

Primary APN	`072-104-001-000`
Alternative APNs	`07210401100` `0721040110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,335 sqft Living Area
1st Floor Area	2,335 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Construction Type	Wood
Lot Area	12,197 sqft (0.28 acres)
View / Lot	Average
Garage Type	Attached
Garage Area	465 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,335 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Solar
Water Source	Commercial

Location & Zoning

Street Address	1651 DIGGER TREE CT
City	COOL
State	CA
Zip	95614-2038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 256 AUBURN LK TRLS 1
Legal Subdivision	AUBURN LK TRLS 1
Legal Lot Number	256
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	3
Census Block	3002
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	1651 DIGGER TREE CT, COOL, CA 95614-2038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 26, 2018	Grant Deed, Transfer · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2018 · Amount on Record
Deed Sale	Feb 26, 2018 · Amount on Record
Prior Sale	Mar 3, 2003 · Amount on Record
Deed Document Number	20186826
Prior Transfer Date	Feb 22, 2012
Prior Transfer Doc	0000009668
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	1651 DIGGER TREE CT, COOL, CA 95614-2038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010485
Date	Mar 15, 2017
Instrument	2017-0010485

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Feb 26, 2018
Property Address	1651 DIGGER TREE CT, COOL, CA 95614-2038
Document Number	0000006826
Instrument Date	Feb 20, 2018
Instrument	6826
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	20 E MAIN ST #32 LOS GATOS CA 950306910, 32, LOS GATOS, CA 95030-6910

Mortgage

Document Number	6827
Date	Feb 26, 2018
Instrument	6827

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 25, 2033

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		$487,439 (+2%) Land $136,945 Building $350,494
2025	$5,157.00 (+7.8%) Homeowner's exemption	$477,882 (+4.04%) Land $134,260 Building $343,622
2023	$4,784.00 (+1.53%) Homeowner's exemption	$459,328 Land $129,048 Building $330,280
2022	$4,712.00

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 82% of the US · above 61% of California
Wildfire Likelihood	0.7% 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Cal.net Fixed Wireless	100 / 20

May also be available: T-Mobile, Zeta Broadband.

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