3026 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3026 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,468 sqft · built 1989
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on Record
Last Sale	$442,500 (Sep 2025)
Tax Bill	$4,131 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073-312-006-000`

Property Details

APN / Parcel Number

Primary APN	`073-312-006-000`
Alternative APNs	`07331206100` `0733120610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,468 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	23,522 sqft (0.54 acres)
Terrain	Gentle Slope
View / Lot	Average
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Patio Area	2,468 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3026 TALKING MOUNTAIN TRL
City	COOL
State	CA
Zip	95614-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 1457 AUBURN LK TRLS 5
Legal Subdivision	AUBURN LK TRLS 5
Legal Lot Number	1457
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	4
Census Block	4030
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	Individual Name on Record
Mailing Address	3026 TALKING MOUNTAIN TRL, COOL, CA 95614-2540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Sep 23, 1997 · Amount on Record
Deed Document Number	202526939
Prior Transfer Date	Jun 15, 1998
Prior Transfer Doc	0000034712
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Sep 22, 2025
Property Address	3026 TALKING MOUNTAIN TRL, COOL, CA 95614-2540
Document Number	0000026939
Map Reference	MB E PG 85
Instrument Date	Sep 16, 2025
Instrument	2025-0026939
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	FIRSTAMERICAN 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
Address	3026 TALKING MOUNTAIN TRL, COOL, CA 95614-2540

Mortgage

Document Number	0000026940
Date	Sep 22, 2025
Instrument	2025-0026940

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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		$442,500 (+15.72%) Land $133,000 Building $309,500
2025	$4,131.00 (+7.77%) Homeowner's exemption	$382,388 (+4.04%) Land $79,023 Building $303,365
2023	$3,833.00 (+1.56%) Homeowner's exemption	$367,541 Land $75,955 Building $291,586
2022	$3,774.00

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	Extreme above 96% of the US · above 84% of California
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
Cal.net Fixed Wireless	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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