El Dorado County property record for 2038 Onion Flat Ct, Cool, CA 95614 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,370 sqft · built 1988 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $392,500 (Mar 2023) |
| Tax Bill | $4,485 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-421-033-000 |
| Primary APN | 073-421-033-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,370 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 23,958 sqft (0.55 acres) |
| Terrain | Gentle Slope |
| View / Lot | Average |
| Garage Type | Attached |
| Garage Area | 676 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 1,370 sqft |
| Water Source | Commercial |
|---|
| Street Address | 2038 ONION FLAT CT |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-2557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 1298 AUBURN LK TRLS 5 |
| Legal Subdivision | AUBURN LK TRLS 5 |
| Legal Lot Number | 1298 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 30601 |
Source: El Dorado County records · APN 073-421-033-000
Assessment roll updated August 18, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2617 WILLOW CREEK TRL, COOL, CA 95614-2411 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 30, 2023 | Grant Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| May 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 13, 2018 | Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 30, 2023 · Amount on Record |
| Deed Sale | Mar 30, 2023 · Amount on Record |
| Prior Sale | Jul 13, 2018 · Amount on Record |
| Deed Document Number | 20238779 |
| Prior Transfer Date | Dec 20, 1996 |
| Prior Transfer Doc | 0004829001 |
| Record Updated | Jun 08, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Mar 30, 2023 |
| Property Address | 2038 ONION FLAT CT, COOL, CA 95614-2557 |
| Document Number | 0000008779 |
| Map Reference | MB E PG 85 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 2023-0008779 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2023 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2617 WILLOW CREEK TRL, COOL, CA 95614-2411 |
| Document Number | 0000008780 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 2023-0008780 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2038 ONION FLAT CT, COOL, CA 95614-2557 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000021375 |
|---|---|
| Date | May 12, 2020 |
| Instrument | 2020-0021375 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 13, 2018 |
| Property Address | 2038 ONION FLAT CT, COOL, CA 95614-2557 |
| Document Number | 0000027013 |
| Instrument Date | Jul 10, 2018 |
| Instrument | 27013 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $357.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2038 ONION FLAT CT COOL CA 956142557, COOL, CA 95614-2557 |
| Document Number | 27014 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 27014 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2048 |
Source: El Dorado County records · Assessment roll updated August 18, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,485.00 (+5.98%) | $408,357 (+17.19%) Land $104,040 Building $304,317 |
| 2024 | $4,232.00 (+14.16%) | |
| 2023 | $3,707.00 (+1.48%) | $348,463 Land $97,569 Building $250,894 |
| 2022 | $3,653.00 |
Source: FEMA National Flood Hazard Layer, El Dorado County (06017C), updated August 25, 2022 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Extreme above 97% of the US · above 86% of California |
|---|---|
| Wildfire Likelihood | About 1 in 65 per year |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 131 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Cal.net | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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