El Dorado County property record for 2876 Pointed Rocks Trl, Cool, CA 95614
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,935 sqft · built 1989 |
| Lot Size | 8.31 acres (361,984 sqft) |
| Owner | Company Name on Record |
| Last Sale | $400,000 (Jul 2010) |
| Tax Bill | $5,529 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jul 2022 Transfer + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-172-006-000 |
| Primary APN | 072-172-006-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,935 sqft Living Area |
| 1st Floor Area | 2,935 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Material | Tile |
| Lot Area | 361,984 sqft |
| Terrain | Rolling |
| View / Lot | Average |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
| Patio Area | 2,935 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 2876 POINTED ROCKS TRL |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-2014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R2A |
| Legal Description | PM 40/36/143A |
| Legal Subdivision | AUBURN LAKE TRAILS UNIT #1 |
| Legal Lot Number | 143 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 30601 |
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 | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Jul 29, 2022 | Intrafamily Transfer, Transfer FIDELITY NATL TTL CO OF CA |
| Jul 29, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Nov 22, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Nov 22, 2021 | Intrafamily Transfer, Transfer FIDELITY NATL TTL CO OF CA |
| Mar 1, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Mar 7, 2019 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Mar 1, 2019 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Jan 5, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Jan 9, 2017 | Quit Claim Deed, Transfer OLD REPUBLIC TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2010 · Amount on Record |
| Deed Sale | Jul 19, 2010 · Amount on Record |
| Prior Sale | Nov 24, 1998 · Amount on Record |
| Deed Document Number | 201031484 |
| Last Transfer Date | Nov 15, 2021 |
| Transfer Doc | 0000072092 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000036045 |
|---|---|
| Date | Dec 17, 2025 |
| Instrument | 2025-0036045 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 29, 2022 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000031891 |
| Instrument Date | Jul 22, 2022 |
| Instrument | 2022-0031891 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 29, 2022 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000031889 |
| Map Reference | MB 40 PG 36 |
| Instrument Date | Jul 22, 2022 |
| Instrument | 2022-0031889 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000031890 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 2022-0031890 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 1, 2042 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Nov 22, 2021 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000072092 |
| Map Reference | MB 40 PG 36 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 2021-0072092 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000072093 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 2021-0072093 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Nov 22, 2021 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000072094 |
| Map Reference | MB 40 PG 36 |
| Instrument Date | Nov 15, 2021 |
| Instrument | 2021-0072094 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Mar 1, 2019 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000006777 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 6777 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2876 POINTED ROCKS TRL COOL CA 956142014, COOL, CA 95614-2014 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Mar 7, 2019 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000007379 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 7379 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2876 POINTED ROCKS TRL COOL CA 956142014, COOL, CA 95614-2014 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Mar 1, 2019 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000006776 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 6776 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2876 POINTED ROCKS TRL COOL CA 956142014, COOL, CA 95614-2014 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jan 5, 2017 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000000612 |
| Map Reference | PM40 PG36 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 2017-0000612 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | OLD REPUBLIC TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000000613 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 2017-0000613 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jan 9, 2017 |
| Property Address | 2876 POINTED ROCKS TRL, COOL, CA 95614-2014 |
| Document Number | 0000000927 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 927 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2876 POINTED ROCKS TRL COOL CA 956142014, COOL, CA 95614-2014 |
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 | $522,704 (+2%) Land $163,342 Building $359,362 | |
| 2025 | $5,529.00 (+6.02%) Homeowner's exemption | $512,456 (+4.04%) Land $160,140 Building $352,316 |
| 2024 | $5,215.00 (+1.68%) | |
| 2023 | $5,129.00 (+1.54%) Homeowner's exemption | $492,558 Land $153,922 Building $338,636 |
| 2022 | $5,051.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 56% 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.
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 55 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 |
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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