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2425 Shirt Tail Trl, Cool, CA 95614 Property Records

El Dorado County property record for 2425 Shirt Tail Trl, Cool, CA 95614

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,802 sqft · built 1992
Lot Size2 acres (87,120 sqft)
Owner2 Individual Names on Record
Last Sale$616,000 (Aug 2023)
Tax Bill$6,850 (2025)
Deeds & MortgagesOct 2025 Mortgage
Aug 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN072-202-001-000

Property Details

APN / Parcel Number

Primary APN072-202-001-000
Alternative APNs
  • 07220201100
  • 0722020110

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area2,802 sqft Living Area
1st Floor Area2,802 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Construction TypeWood
Lot Area87,120 sqft
TerrainGentle Slope
View / LotAverage
Garage TypeAttached
Garage Area609 sqft
Parking Spaces2 Parking Spaces
Patio Area2,802 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Water SourceCommercial

Location & Zoning

Street Address2425 SHIRT TAIL TRL
CityCOOL
StateCA
Zip95614-2016
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR2A
Legal DescriptionL 412 AUBURN LK TRLS 2
Legal SubdivisionAUBURN LK TRLS 2
Legal Lot Number412
JurisdictionEL DORADO CA
Township / Civil DivisionNORTH EL DORADO
Census Block Group3
Census Block3001
Census Tract30601

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 Record2 Individual Names on Record
Mailing Address2425 SHIRT TAIL TRL, COOL, CA 95614-2016
OccupancyOwner Occupied
Owner TypeIndividual
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2025Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Aug 18, 2023Grant Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 18, 2023 · Amount on Record
Deed SaleAug 18, 2023 · Amount on Record
Deed Document Number202323252
Prior Transfer DateMay 9, 2014
Prior Transfer Doc0000024756
Record UpdatedOct 29, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionEL DORADO CA
Property Address2425 SHIRT TAIL TRL, COOL, CA 95614-2016
Transaction TypeMortgage
Record UpdatedOct 24, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2425 SHIRT TAIL TRL, COOL, CA 95614-2016

Mortgage

Document Number0000029191
DateOct 14, 2025
Instrument2025-0029191
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

August 2023: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionEL DORADO CA
Recording DateAug 18, 2023
Property Address2425 SHIRT TAIL TRL, COOL, CA 95614-2016
Document Number0000023252
Map ReferenceMB E PG 56
Instrument DateAug 16, 2023
Instrument2023-0023252
Transaction TypeTransfer
Record UpdatedAug 30, 2023
Title CompanyPLACER TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address2425 SHIRT TAIL TRL, COOL, CA 95614-2016

Mortgage

Document Number0000023253
DateAug 18, 2023
Instrument2023-0023253
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountyEl Dorado County
Unified School DistrictBlack Oak Mine Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$640,886 (+2%) Land $88,434 Building $552,452
2025$6,850.00 (+82.47%)$628,320 (+78.01%) Land $86,700 Building $541,620
2023$3,754.00 (+1.49%)$352,968 Land $48,674 Building $304,294
2022$3,699.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskExtreme
above 95% of the US · above 82% of California
Wildfire Likelihood1% annual chance
ExposureDirect
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 SystemGEORGETOWN DIVIDE PUD
serves 9,434 people · EPA ID CA0910013
Water SourceSurface water
Last State InspectionDec 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 5 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Cal.net
Fixed Wireless		100 / 20

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