2810 Gillespie Rd, Cool, CA 95614 Property Records

El Dorado County property record for 2810 Gillespie Rd, Cool, CA 95614

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,076 sqft · built 1999
Lot Size	2.96 acres (128,938 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Mar 2024)
Tax Bill	$6,435 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071-430-001-000`

Property Details

APN / Parcel Number

Primary APN	`071-430-001-000`
Alternative APNs	`07143001100` `0714300110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,076 sqft Living Area
1st Floor Area	2,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2003
Construction Type	Wood
Lot Area	128,938 sqft
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Patio Area	2,076 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	2810 GILLESPIE RD
City	COOL
State	CA
Zip	95614
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	U
Legal Description	PM 18/18/1
Legal Subdivision	PM 18 18
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	1
Census Block	1017
Census Tract	30601

Owner

2810 Gillespie Rd, a rural home, is owned and occupied by two individuals who bought it in March 2024.

Source: El Dorado County records, as of September 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2810 GILLESPIE RD, COOL, CA 95614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage XPERT HOME LENDING INC
Mar 25, 2024	Grant Deed, Transfer · Conventional Mortgage XPERT HOME LENDING INC
Dec 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage BAER FAMILY REVOCABLE LIVING TRUST
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2024 · Amount on File
Deed Sale	Mar 25, 2024 · Amount on File
Deed Document Number	20248260
Prior Transfer Date	Mar 23, 2010
Prior Transfer Doc	0000013037
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2810 GILLESPIE RD, COOL, CA 95614
Transaction Type	Mortgage
Record Updated	Nov 27, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2810 GILLESPIE RD, COOL, CA 95614

Mortgage

Document Number	0000032135
Date	Nov 10, 2025
Instrument	2025-0032135

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company
Address	SUWANEE, GA 30024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Mar 25, 2024
Property Address	2810 GILLESPIE RD, COOL, CA 95614
Document Number	0000008260
Map Reference	MB 18 PG 18
Instrument Date	Mar 21, 2024
Instrument	2024-0008260
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Amount	Amount on Record
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	Community Property with Right of Survivorship
Address	2810 GILLESPIE RD, COOL, CA 95614

Mortgage

Document Number	0000008261
Date	Mar 25, 2024
Instrument	2024-0008261

Lender

Name	XPERT HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2810 GILLESPIE RD, COOL, CA 95614
Transaction Type	Mortgage
Record Updated	Dec 29, 2023
Title Company	WHITE COUNTY TITLE COMPANY, INTER COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 365, COOL, CA 95614-0365

Mortgage

Document Number	0000035478
Date	Dec 19, 2023
Instrument	2023-0035478

Lender

Name	BAER FAMILY REVOCABLE LIVING TRUST
Type	Private Party
Address	5000 CHINA HILL RD, EL DORADO, CA 95623

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	2810 GILLESPIE RD, COOL, CA 95614
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLACER TITLE CO ROSEVILLE CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044142
Date	Aug 24, 2020
Instrument	2020-0044142

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2810 Gillespie Rd was $6,435.

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		$608,633 (+2%) Land $152,158 Building $456,475
2025	$6,435.00 Homeowner's exemption	$596,700 Land $149,175 Building $447,525
2023	$1,708.00 (+1.55%) Homeowner's exemption	$162,617 Land $17,718 Building $144,899
2022	$1,682.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2810 Gillespie Rd 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

Wildfire risk around 2810 Gillespie Rd is high, ranking above 85% of the US, with a 0.7% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 85% of the US · above 64% of California
Wildfire Likelihood	0.7% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: GeoLinks, Zeta Broadband.

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