2116 American River Trl, Cool, CA 95614 Property Records

El Dorado County property record for 2116 American River Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,019 sqft · built 2001
Lot Size	2.03 acres (88,862 sqft)
Owner	2 Individual Names on Record
Last Sale	$690,000 (Oct 2021)
Tax Bill	$7,967 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-236-010-000`

Property Details

APN / Parcel Number

Primary APN	`072-236-010-000`
Alternative APNs	`07223610100` `0722361010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,019 sqft Living Area
1st Floor Area	2,019 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	88,862 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	748 sqft
Parking Spaces	3 Parking Spaces
Patio Area	2,019 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	2116 AMERICAN RIVER TRL
City	COOL
State	CA
Zip	95614-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1A
Legal Description	PM 34/38/B
Legal Subdivision	CITY/COOL
Legal Lot Number	B
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	3
Census Block	3007
Census Tract	30601

Owner

Source: El Dorado County records, as of September 16, 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 Record
Mailing Address	2116 AMERICAN RIVER TRL, COOL, CA 95614-2127
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Grant Deed, Transfer · Conventional Mortgage SNAPFI INC
May 13, 2019	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 28, 2017	Deed of Trust, Mortgage · Line of Credit GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2021 · Amount on Record
Deed Sale	Oct 27, 2021 · Amount on Record
Prior Sale	May 13, 2019 · Amount on Record
Deed Document Number	202167642
Prior Transfer Date	Aug 17, 2016
Prior Transfer Doc	0000040324
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Oct 27, 2021
Property Address	2116 AMERICAN RIVER TRL, COOL, CA 95614-2127
Document Number	0000067642
Map Reference	MB 34 PG 38
Instrument Date	Oct 22, 2021
Instrument	2021-0067642
Transaction Type	Transfer
Record Updated	Nov 10, 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	Joint Tenants
Address	2116 AMERICAN RIVER TRL, COOL, CA 95614-2127

Mortgage

Document Number	0000067643
Date	Oct 27, 2021
Instrument	2021-0067643

Lender

Name	SNAPFI INC
Type	Non-Lending Institution

Agreement

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

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	May 13, 2019
Property Address	2116 AMERICAN RIVER TRL, COOL, CA 95614-2127
Document Number	0000017997
Map Reference	MB 34 PG 38
Instrument Date	May 9, 2019
Instrument	2019-0017997
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	2116 AMERICAN RIVER TRL, COOL, CA 95614-2127

Mortgage

Document Number	0000017998
Date	May 13, 2019
Instrument	2019-0017998

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Mortgage

Document Number	0000017999
Date	May 13, 2019
Instrument	2019-0017999

Lender

Name	ADVENTIST HEALTH SYSTEM WEST
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2116 AMERICAN RIVER TRL, COOL, CA 95614-2127
Document Number	0000018404
Instrument Date	Apr 28, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2116 AMERICAN RIVER TRL COOL CA 956142127, COOL, CA 95614-2127

Mortgage

Document Number	0000018404
Date	May 8, 2017
Instrument	18404

Lender

Name	GOLDEN 1 CU
Type	Credit Union
Address	SACRAMENTO, CA 95826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2026		$746,876 (+2%) Land $167,776 Building $579,100
2025	$7,967.00 (+7.78%)	$732,233 (+4.04%) Land $164,487 Building $567,746
2023	$7,392.00 (+1.52%)	$703,800 Land $158,100 Building $545,700
2022	$7,281.00

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	Very High above 92% 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.

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 56 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

May also be available: AT&T.

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