1885 Cold Springs Rd, Placerville, CA 95667 Property Records

El Dorado County property record for 1885 Cold Springs Rd, Placerville, CA 95667

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1987
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Feb 2024)
Tax Bill	$5,539 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`323-040-057-000`

Property Details

APN / Parcel Number

Primary APN	`323-040-057-000`
Alternative APNs	`32304057100` `3230405710`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Wood
Lot Area	43,560 sqft
Terrain	Wooded
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,512 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	1885 COLD SPRINGS RD
City	PLACERVILLE
State	CA
Zip	95667-3001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	PM 37/129/1
Legal Subdivision	37-129, PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	PLACERVILLE
Census Block Group	2
Census Block	2011
Census Tract	31000

Owner

1885 Cold Springs Rd is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1885 COLD SPRINGS RD, PLACERVILLE, CA 95667-3001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Feb 23, 2024	Grant Deed, Transfer · FHA Mortgage WATERMARK CAPITAL INC
Sep 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2024 · Amount on File
Deed Sale	Feb 23, 2024 · Amount on File
Prior Sale	Dec 16, 2016 · Amount on File
Deed Document Number	20245417
Prior Transfer Date	Jul 14, 2020
Prior Transfer Doc	0000048173
Record Updated	Oct 29, 2026

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Feb 23, 2024
Property Address	1885 COLD SPRINGS RD, PLACERVILLE, CA 95667-3001
Document Number	0000005417
Map Reference	MB 37 PG 129
Instrument Date	Feb 21, 2024
Instrument	2024-0005417
Transaction Type	Transfer
Record Updated	Mar 7, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	1885 COLD SPRINGS RD, PLACERVILLE, CA 95667-3001

Mortgage

Document Number	0000005418
Date	Feb 23, 2024
Instrument	2024-0005418

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Sep 9, 2020
Property Address	1885 COLD SPRINGS RD, PLACERVILLE, CA 95667-3001
Document Number	0000048173
Map Reference	MB 37 PG 129
Instrument Date	Jul 14, 2020
Instrument	2020-0048173
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1885 COLD SPRINGS RD, PLACERVILLE, CA 95667-3001

Mortgage

Document Number	0000048174
Date	Sep 9, 2020
Instrument	2020-0048174

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1885 Cold Springs Rd was $5,539 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	California
County	El Dorado County
Secondary School District	El Dorado Union High School District (09 - 12)
Elementary School District	Gold Trail Union Elementary School District (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$546,210 (+2%) Land $109,242 Building $436,968
2025	$5,539.00 Homeowner's exemption	$535,500 Land $107,100 Building $428,400
2023	$3,684.00 (+1.49%) Homeowner's exemption	$356,961 Land $105,972 Building $250,989
2022	$3,630.00

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

Flood

FEMA maps place 1885 Cold Springs Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1885 Cold Springs Rd is high, ranking above 86% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 86% of the US · above 66% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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