El Dorado County property record for 2556 Otter Trl, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,720 sqft · built 1988 |
| Lot Size | 2.08 acres (90,605 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $800,000 (Jan 2025) |
| Tax Bill | $5,432 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-311-006-000 |
| Primary APN | 072-311-006-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,720 sqft Living Area |
| 1st Floor Area | 2,720 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Wood |
| Lot Area | 90,605 sqft |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 2,720 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 2556 OTTER TRL |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-2118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2A |
| Legal Description | L 649 AUBURN LK TRLS 4 |
| Legal Subdivision | AUBURN LK TRLS 4 |
| Legal Lot Number | 649 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 30601 |
2556 Otter Trl is owned and occupied by two individuals who bought it in January 2025.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 9, 2021 | Intrafamily Transfer, Transfer · VA Mortgage LOANDEPOT.COM LLC |
| Feb 1, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 11, 2020 | Affidavit of Death of Joint Tenant, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2025 · Amount on File |
| Deed Sale | Jan 27, 2025 · Amount on File |
| Prior Sale | Dec 9, 2021 |
| Deed Document Number | 20252030 |
| Prior Transfer Date | Nov 2, 2021 |
| Prior Transfer Doc | 0000075430 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Dec 9, 2021 |
| Property Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Document Number | 0000075430 |
| Map Reference | MB E PG 86 |
| Instrument Date | Nov 2, 2021 |
| Instrument | 2021-0075430 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Title Company | AMERICAN SW TITLE, AMERICAN COAST TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Document Number | 0000075431 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 2021-0075431 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Document Number | 0000006804 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-0006804 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Jun 1, 2050 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | May 11, 2020 |
| Property Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Document Number | 0000020924 |
| Map Reference | MB E PG 86 |
| Instrument Date | Mar 9, 2020 |
| Instrument | 2020-0020924 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | TITLE365 COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2556 OTTER TRL, COOL, CA 95614-2118 |
| Document Number | 0000020925 |
|---|---|
| Date | May 11, 2020 |
| Instrument | 2020-0020925 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 2556 Otter Trl was $5,432, up 6% from the year before.
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 | $816,000 (+64.36%) Land $244,800 Building $571,200 | |
| 2025 | $5,432.00 (+5.99%) | $496,460 Land $147,096 Building $349,364 |
| 2024 | $5,125.00 (+2.05%) | |
| 2023 | $5,022.00 (+1.11%) | $477,184 Land $141,385 Building $335,799 |
| 2022 | $4,967.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 2556 Otter Trl in Zone X, an area of minimal flood risk.
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 risk around 2556 Otter Trl is high, ranking above 86% of the US, with a 0.9% annual chance of wildfire.
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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