2321 Challenge Ct, Cool, CA 95614 Property Records

El Dorado County property record for 2321 Challenge Ct, Cool, CA 95614

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,902 sqft · built 2004
Lot Size	9 acres (392,040 sqft)
Owner	2 Company Names on Record
Last Sale	$455,000 (Nov 2021)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Jan 2026 Transfer Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074-290-018-000`

Property Details

APN / Parcel Number

Primary APN	`074-290-018-000`
Alternative APNs	`07429018100` `0742901810`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,902 sqft Living Area
1st Floor Area	1,902 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Mobile Home
Construction Type	Manufactured
Lot Area	392,040 sqft
Terrain	Gentle Slope
Parking Spaces	2 Parking Spaces
Patio Area	1,902 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2321 CHALLENGE CT
City	COOL
State	CA
Zip	95614-9459
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RE10
Legal Description	RS 21/43/2
Legal Subdivision	AS SHOWN ON THE PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	3
Census Block	3012
Census Tract	30606

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 Company Names on Record
Mailing Address	101 LITTLE RIVER CT, 4, VALLEJO, CA 94591-6408
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2026	Intrafamily Transfer, Transfer
Nov 15, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 12, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GOLDEN 1 CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Prior Sale	Oct 6, 2004 · Amount on Record
Deed Document Number	202170925
Prior Transfer Date	Feb 6, 2019
Prior Transfer Doc	0000008106
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Jan 29, 2026
Property Address	2321 CHALLENGE CT, COOL, CA 95614-9459
Document Number	0000003550
Map Reference	MB 39 PG 21
Instrument Date	Jan 29, 2026
Instrument	2026-0003550
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	101 LITTLE RIVER CT APT 4, 4, VALLEJO, CA 94591-6408

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Nov 15, 2021
Property Address	2321 CHALLENGE CT, COOL, CA 95614-9459
Document Number	0000070925
Map Reference	MB 39 PG 21
Instrument Date	Nov 12, 2021
Instrument	2021-0070925
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

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	Tenants in Severalty
Address	2321 CHALLENGE CT, COOL, CA 95614-9459
Investor	Possibly a Property Investor

Mortgage

Document Number	0000070926
Date	Nov 15, 2021
Instrument	2021-0070926

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EL DORADO CA
Recording Date	Mar 12, 2019
Property Address	2321 CHALLENGE CT, COOL, CA 95614-9459
Document Number	0000008106
Instrument Date	Feb 6, 2019
Instrument	8106
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2321 CHALLENGE CT COOL CA 956149459, COOL, CA 95614-9459

Mortgage

Document Number	8107
Date	Mar 12, 2019
Instrument	8107

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 11, 2034

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		$492,505 (+2%) Land $189,425 Building $303,080
2025	$5,286.00 (+7.75%)	$482,849 (+4.04%) Land $185,711 Building $297,138
2023	$4,906.00 (+1.51%)	$464,100 Land $178,500 Building $285,600
2022	$4,833.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 97.2% of the US · above 86% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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