2049 Onion Flat Ct, Cool, CA 95614 Property Records

El Dorado County property record for 2049 Onion Flat Ct, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,672 sqft · built 1998
Lot Size	0.329 acres (14,374 sqft)
Owner	Individual Name on Record
Last Sale	$409,000 (Mar 2021)
Tax Bill	$4,854 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`073-432-007-000`

Property Details

APN / Parcel Number

Primary APN	`073-432-007-000`
Alternative APN	`0734320710`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,672 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Construction Type	Wood
Lot Area	14,374 sqft (0.329 acres)
Terrain	Gentle Slope
View / Lot	Fair
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,672 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	0734320710
Street Address	2049 ONION FLAT CT
City	COOL
State	CA
Zip	95614-2556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1289 AUBURN LK TRLS 5
Legal Subdivision	AUBURN LK TRLS 5
Legal Lot Number	1289
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	4
Census Block	4001
Census Tract	30601

Owner

Source: El Dorado County records, as of September 22, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2049 ONION FLAT CT, COOL, CA 95614-2556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jan 13, 2017	Deed of Trust, Mortgage · VA Mortgage CMG MORTGAGE INC
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU
Mar 9, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2021 · Amount on Record
Deed Sale	Mar 17, 2021 · Amount on Record
Prior Sale	Mar 9, 2018 · Amount on Record
Deed Document Number	2021-0018874
Record Updated	Jun 7, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Mar 17, 2021
Property Address	2049 ONION FLAT CT, COOL, CA 95614-2556
Document Number	0000018874
Map Reference	MB E PG 85
Instrument Date	Mar 4, 2021
Instrument	2021-0018874
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	Community Property with Right of Survivorship
Address	2049 ONION FLAT CT, COOL, CA 95614-2556

Mortgage

Document Number	0000018875
Date	Mar 17, 2021
Instrument	2021-0018875

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2049 ONION FLAT CT, COOL, CA 95614-2556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE PLACER

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001912
Date	Jan 13, 2017
Instrument	2017-0001912

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2049 ONION FLAT CT, COOL, CA 95614-2556
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TTL CO ROSE VILLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021100
Date	May 11, 2020
Instrument	2020-0021100

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

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

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Mar 9, 2018
Property Address	2049 ONION FLAT CT, COOL, CA 95614-2556
Document Number	0000008752
Instrument Date	Mar 2, 2018
Instrument	8752
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	238 LAFAYETTE DR ROSEVILLE CA 956781114, ROSEVILLE, CA 95678-1114

Mortgage

Document Number	8753
Date	Mar 9, 2018
Instrument	8753

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2048

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of July 1, 2025

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
2025	$4,854.00 (+7.72%)	$442,712 (+4.04%) Land $64,945 Building $377,767
2023	$4,506.00 (+1.51%)	$425,523 Land $62,424 Building $363,099
2022	$4,439.00

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	Extreme above 96% of the US · above 85% of California
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 131 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Onion Flat Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures