El Dorado County property record for 2057 Upper Black Rock Rd, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 1,772 sqft · built 1992 |
| Lot Size | 2.11 acres (92,347 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,881 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-031-002-000 |
| Primary APN | 073-031-002-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,772 sqft Living Area |
| 1st Floor Area | 1,772 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Construction Type | Wood |
| Lot Area | 92,347 sqft |
| Terrain | Rolling |
| Parking Spaces | 1 Parking Space |
| Patio Area | 1,772 sqft |
| Water Source | Commercial |
|---|
| Street Address | 2057 UPPER BLACK ROCK RD |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-9414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2A |
| Legal Description | PM 28/142/2 |
| Legal Subdivision | PARCEL MAP |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 30601 |
Source: El Dorado County records, as of September 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2057 UPPER BLACK ROCK RD, COOL, CA 95614-9414 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Line of Credit TRI COUNTIES BANK |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 19, 1998 |
| Transfer Doc | 0000028913 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2057 UPPER BLACK ROCK RD, COOL, CA 95614-9414 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | E-PLACER TITLE, PLACER TITLE |
| Name | Verified Name |
|---|---|
| Address | 2057 UPPER BLACK ROCK RD, COOL, CA 95614-9414 |
| Document Number | 0000049824 |
|---|---|
| Date | Aug 2, 2021 |
| Instrument | 2021-0049824 |
| Name | TRI COUNTIES BANK |
|---|---|
| Type | Bank |
| Address | AUBURN, CA 95603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2057 UPPER BLACK ROCK RD, COOL, CA 95614-9414 |
| Document Number | 0000031508 |
| Instrument Date | Jun 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2020 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2057 UPPER BLACK ROCK RD COOL CA 956149414, COOL, CA 95614-9414 |
| Document Number | 0000031508 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 31508 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
Source: El Dorado County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $366,336 (+2%) Land $43,081 Building $323,255 | |
| 2025 | $3,881.00 (+5.98%) Homeowner's exemption | $359,154 (+4.04%) Land $42,237 Building $316,917 |
| 2024 | $3,662.00 (+2.26%) | |
| 2023 | $3,581.00 (+0.99%) Homeowner's exemption | $345,209 Land $40,598 Building $304,611 |
| 2022 | $3,546.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 75% of California |
|---|---|
| Wildfire Likelihood | 1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
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