El Dorado County property record for 2055 Onion Flat Ct, Cool, CA 95614 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,176 sqft · built 1992 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $515,000 (Jun 2026) |
| Tax Bill | $4,331 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-432-020-000 |
| Primary APN | 073-432-020-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Wood |
| Lot Area | 16,988 sqft (0.39 acres) |
| Terrain | Rolling |
| View / Lot | Average |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 2,176 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 2055 ONION FLAT CT |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-2556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 1290 AUBURN LK TRLS 5 |
| Legal Subdivision | AUBURN LK TRLS 5 |
| Legal Lot Number | 1290 |
| 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 073-432-020-000
Assessment roll updated August 18, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jun 05, 2026 | Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 25, 2021 | Deed of Trust, Mortgage · VA Mortgage COMMERCE HOME MORTGAGE LLC |
| Apr 03, 2020 | Deed of Trust, Mortgage · VA Mortgage COMMERCE HM MTG |
| May 08, 2019 | Grant Deed, Transfer · VA Mortgage BANK OF ENGLAND |
| Jan 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CASHCALL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 05, 2026 · Amount on Record |
| Deed Sale | Jun 05, 2026 · Amount on Record |
| Prior Sale | May 08, 2019 · Amount on Record |
| Deed Document Number | 202618401 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jun 05, 2026 |
| Property Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Document Number | 0000018401 |
| Instrument Date | Jun 04, 2026 |
| Instrument | 202618401 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57,216.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Document Number | 0000018402, |
|---|---|
| Date | Jun 05, 2026 |
| Instrument | 202618402 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | OLD REPUBLIC TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Document Number | 0000004914 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 2021-0004914 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Document Number | 0000016024 |
| Instrument Date | Apr 03, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2055 ONION FLAT CT COOL CA 956142556, COOL, CA 95614-2556 |
| Document Number | 0000016024 |
|---|---|
| Date | Apr 08, 2020 |
| Instrument | 16024 |
| Name | COMMERCE HM MTG |
|---|---|
| Address | IRVINE, CA 92606 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 07, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | May 08, 2019 |
| Property Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Document Number | 0000017402 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 17402 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE CO/CA |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.45 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2055 ONION FLAT CT COOL CA 956142556, COOL, CA 95614-2556 |
| Document Number | 17403 |
|---|---|
| Date | May 08, 2019 |
| Instrument | 17403 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2055 ONION FLAT CT, COOL, CA 95614-2556 |
| Document Number | 0000003140 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2055 ONION FLAT CT COOL CA 956142556, COOL, CA 95614-2556 |
| Document Number | 0000003140 |
|---|---|
| Date | Jan 23, 2017 |
| Instrument | 3140 |
| Name | CASHCALL |
|---|---|
| Type | Funding / Finance Company |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 22, 2037 |
Source: El Dorado County records · Assessment roll updated August 18, 2025 · Last verified June 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 | $4,331.00 (+6%) Homeowner's exemption | $401,024 (+4.04%) Land $66,929 Building $334,095 |
| 2024 | $4,086.00 (+1.69%) | |
| 2023 | $4,018.00 (+1.54%) Homeowner's exemption | $385,454 Land $64,331 Building $321,123 |
| 2022 | $3,957.00 |
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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