2686 Pointed Rocks Trl, Cool, CA 95614 Property Records

El Dorado County property record for 2686 Pointed Rocks Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,060 sqft · built 1974
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Mar 2022)
Tax Bill	$6,067 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-081-006-000`

Property Details

APN / Parcel Number

Primary APN	`072-081-006-000`
Alternative APNs	`07208106100` `0720810610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,060 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Wood
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,060 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	2686 POINTED ROCKS TRL
City	COOL
State	CA
Zip	95614-2048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 155 AUBURN LK TRLS 1
Legal Subdivision	AUBURN LK TRLS 1
Legal Lot Number	155
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	3
Census Block	3001
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	2686 POINTED ROCKS TRL, COOL, CA 95614-2048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 14, 2022	Grant Deed, Transfer · FHA Mortgage SNAPFI INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2022 · Amount on Record
Deed Sale	Mar 14, 2022 · Amount on Record
Prior Sale	Jan 31, 2012 · Amount on Record
Deed Document Number	202211924
Prior Transfer Date	Apr 13, 2015
Prior Transfer Doc	0000017812
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Recording Date	Sep 1, 2026
Property Address	2686 POINTED ROCKS TRL, COOL, CA 95614-2048
Document Number	0000028531
Instrument Date	Aug 3, 2026
Instrument	202628531
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2686 POINTED ROCKS TRL, COOL, CA 95614-2048

Mortgage

Document Number	0000028531,
Date	Sep 1, 2026
Instrument	202628531

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Apr 1, 2052

Interest

Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2686 POINTED ROCKS TRL, COOL, CA 95614-2048
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2686 POINTED ROCKS TRL, COOL, CA 95614-2048

Mortgage

Document Number	0000027021
Date	Sep 23, 2025
Instrument	2025-0027021

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Apr 1, 2052

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Mar 14, 2022
Property Address	2686 POINTED ROCKS TRL, COOL, CA 95614-2048
Document Number	0000011924
Map Reference	MB E PG 55
Instrument Date	Mar 2, 2022
Instrument	2022-0011924
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

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	2686 POINTED ROCKS TRL, COOL, CA 95614-2048

Mortgage

Document Number	0000011925
Date	Mar 14, 2022
Instrument	2022-0011925

Lender

Name	SNAPFI INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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		$573,686 (+2%) Land $81,181 Building $492,505
2025	$6,067.00 (+7.82%) Homeowner's exemption	$562,439 (+4.04%) Land $79,590 Building $482,849
2023	$5,627.00 (+175.16%) Homeowner's exemption	$540,600 Land $76,500 Building $464,100
2022	$2,045.00

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	High above 79% of the US · above 57% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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 62 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Zeta Broadband.

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