2585 Brown Bear Trl, Cool, CA 95614 Property Records

El Dorado County property record for 2585 Brown Bear Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,885 sqft · built 1985
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Oct 2020)
Tax Bill	$6,711 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073-151-001-000`

Property Details

APN / Parcel Number

Primary APN	`073-151-001-000`
Alternative APNs	`07315101100` `0731510110`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,885 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Construction Type	Wood
Lot Area	87,120 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,885 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	2585 BROWN BEAR TRL
City	COOL
State	CA
Zip	95614-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2A
Legal Description	L 891 AUBURN LK TRLS 4
Legal Subdivision	AUBURN LK TRLS 4
Legal Lot Number	891
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	4
Census Block	4014
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	2585 BROWN BEAR TRL, COOL, CA 95614-2409
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK NATIONAL ASSOCIATION
Oct 2, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2020 · Amount on Record
Deed Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	202055110
Prior Transfer Date	Jan 23, 2014
Prior Transfer Doc	0000004776
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Recording Date	Jun 29, 2026
Property Address	2585 BROWN BEAR TRL, COOL, CA 95614-2409
Document Number	0000021326
Instrument Date	Jun 24, 2026
Instrument	202621326
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2585 BROWN BEAR TRL, COOL, CA 95614-2409

Mortgage

Document Number	0000021326,
Date	Jun 29, 2026
Instrument	202621326

Lender

Name	BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Oct 2, 2020
Property Address	2585 BROWN BEAR TRL, COOL, CA 95614-2409
Document Number	0000055110
Map Reference	MB E PG 61
Instrument Date	Oct 1, 2020
Instrument	2020-0055110
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIRST AMERICAN 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	2585 BROWN BEAR TRL, COOL, CA 95614-2409

Mortgage

Document Number	0000055111
Date	Oct 2, 2020
Instrument	2020-0055111

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$634,843 (+2%) Land $110,406 Building $524,437
2025	$6,711.00 (+6.04%) Homeowner's exemption	$622,396 (+4.04%) Land $108,242 Building $514,154
2024	$6,329.00 (+1.69%)
2023	$6,224.00 (+1.53%) Homeowner's exemption	$598,230 Land $104,040 Building $494,190
2022	$6,130.00

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 91% of the US · above 75% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cal.net Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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