El Dorado County property record for 2540 Otter Trl, Cool, CA 95614
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,782 sqft · built 1995 |
| Lot Size | 4.41 acres (192,535 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $182,500 (Jan 1996) |
| Tax Bill | $3,361 (2025) |
| Deeds & Mortgages | Feb 2026 Transfer Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-411-005-000 |
| Primary APN | 072-411-005-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,782 sqft Living Area |
| 1st Floor Area | 1,782 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Construction Type | Wood |
| Lot Area | 192,535 sqft |
| Terrain | Gentle Slope |
| Parking Spaces | 1 Parking Space |
| Patio Area | 1,782 sqft |
| Water Source | Commercial |
|---|
| Street Address | 2540 OTTER TRL |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-2118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R2A |
| Legal Description | PM 34/35/B |
| Legal Subdivision | AUBURN LAKE TRAILS |
| Legal Block | P/M |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 30601 |
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 | 2540 OTTER TRL, COOL, CA 95614-2118 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 6, 2026 | Intrafamily Transfer, Transfer |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 1996 · Amount on Record |
| Deed Sale | Jan 9, 1996 · Amount on Record |
| Prior Sale | Jun 6, 1995 · Amount on Record |
| Deed Document Number | 19961318 |
| Deed Book / Page | 4612 / 12 |
| Prior Transfer Date | May 26, 1995 |
| Prior Transfer Doc | 0000024629 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 6, 2026 |
| Property Address | 2540 OTTER TRL, COOL, CA 95614-2118 |
| Document Number | 0000004512 |
| Map Reference | MB 34 PG 35 |
| Instrument Date | Feb 6, 2026 |
| Instrument | 2026-0004512 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2540 OTTER TRL, COOL, CA 95614-2118 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2540 OTTER TRL, COOL, CA 95614-2118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000043749 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 2020-0043749 |
| Name | FREMONT BANK |
|---|---|
| Type | Bank |
| Address | LIVERMORE, CA 94551 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 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 | $317,043 (+2%) Land $59,288 Building $257,755 | |
| 2025 | $3,361.00 (+7.76%) Homeowner's exemption | $310,827 (+4.04%) Land $58,126 Building $252,701 |
| 2023 | $3,119.00 (+1.53%) Homeowner's exemption | $298,760 Land $55,870 Building $242,890 |
| 2022 | $3,072.00 |
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 | High above 86% of the US · above 67% of California |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation |
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 67 locations within half a mile, as of December 31, 2025
| Provider | Max 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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