2745 Pointed Rocks Trl, Cool, CA 95614 Property Records

El Dorado County property record for 2745 Pointed Rocks Trl, Cool, CA 95614

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,128 sqft · built 1976
Lot Size	8.53 acres (371,567 sqft)
Owner	Company Name on Record
Tax Bill	$1,824 (2025)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Dec 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-182-005-000`

Property Details

APN / Parcel Number

Primary APN	`072-182-005-000`
Alternative APNs	`07218205100` `0721820510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,128 sqft Living Area
1st Floor Area	2,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Wood
Lot Area	371,567 sqft
Terrain	Rolling
Patio Area	2,128 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	2745 POINTED ROCKS TRL
City	COOL
State	CA
Zip	95614
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R2A
Legal Description	PM 38/2/133A
Legal Subdivision	AUBURN LAKE TRAILS UNIT #2
Legal Lot Number	134
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	3
Census Block	3004
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	Company Name on Record
Mailing Address	PO BOX 54, COOL, CA 95614-0054
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Dec 10, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 1, 2017	Deed of Trust, Mortgage · FHA Mortgage BRIDGEVIEW BK
Aug 1, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 21, 1998
Transfer Doc	0000042427
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2745 POINTED ROCKS TRL, COOL, CA 95614
Transaction Type	Mortgage
Record Updated	Feb 24, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2745 POINTED ROCKS TRL, COOL, CA 95614

Mortgage

Document Number	0000007468
Date	Feb 15, 2022
Instrument	2022-0007468

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	821 Months
Due	Jul 12, 2090

Interest

Rate Type	Adjustable Rate
Rate	2.29%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.29%

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EL DORADO CA
Recording Date	Dec 10, 2019
Property Address	2745 POINTED ROCKS TRL, COOL, CA 95614
Document Number	0000052702
Instrument Date	Dec 3, 2019
Instrument	52702
Transaction Type	Transfer
Record Updated	Dec 26, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 54 COOL CA 956140054, COOL, CA 95614-0054

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2745 POINTED ROCKS TRL, COOL, CA 95614
Document Number	0000033238
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2745 POINTED ROCKS TRL COOL CA 95614, COOL, CA 95614

Mortgage

Document Number	0000033238
Date	Aug 10, 2017
Instrument	33238

Lender

Name	BRIDGEVIEW BK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Aug 9, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.35%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2745 POINTED ROCKS TRL, COOL, CA 95614
Document Number	0000033239
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2745 POINTED ROCKS TRL COOL CA 95614, COOL, CA 95614

Mortgage

Document Number	0000033239
Date	Aug 10, 2017
Instrument	33239

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Aug 9, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.35%

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		$171,181 (+2%) Land $33,303 Building $137,878
2025	$1,824.00 (+5.86%) Homeowner's exemption	$167,825 (+4.04%) Land $32,650 Building $135,175
2024	$1,723.00 (+1.71%)
2023	$1,694.00 (+1.5%) Homeowner's exemption	$161,310 Land $31,383 Building $129,927
2022	$1,669.00

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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