3085 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3085 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,570 sqft · built 1990
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,034 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073-313-026-000`

Property Details

APN / Parcel Number

Primary APN	`073-313-026-000`
Alternative APNs	`07331326100` `0733132610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,570 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Wood
Lot Area	25,700 sqft (0.59 acres)
Terrain	Gentle Slope
View / Lot	Average
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,570 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	3085 TALKING MOUNTAIN TRL
City	COOL
State	CA
Zip	95614-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L 1498 AUBURN LK TRLS 5
Legal Subdivision	AUBURN LK TRLS 5
Legal Lot Number	1498
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	4
Census Block	4000
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	3085 TALKING MOUNTAIN TRL, COOL, CA 95614-2537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Nov 25, 2020	Intrafamily Transfer, Transfer · VA Mortgage GENEVA FINANCIAL LLC
Jan 9, 2020	Grant Deed, Transfer · VA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2020
Deed Sale	Nov 25, 2020
Prior Sale	Jan 9, 2020 · Amount on Record
Deed Document Number	202068731
Prior Transfer Date	Nov 16, 2020
Prior Transfer Doc	0000068731
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Recording Date	Apr 8, 2026
Property Address	3085 TALKING MOUNTAIN TRL, COOL, CA 95614-2537
Document Number	0000011446
Instrument Date	Apr 2, 2026
Instrument	202611446
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3085 TALKING MOUNTAIN TRL, COOL, CA 95614-2537

Mortgage

Document Number	0000011446,
Date	Apr 8, 2026
Instrument	202611446

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Nov 25, 2020
Property Address	3085 TALKING MOUNTAIN TRL, COOL, CA 95614-2537
Document Number	0000068731
Map Reference	MB E PG 85
Instrument Date	Nov 16, 2020
Instrument	2020-0068731
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3085 TALKING MOUNTAIN TRL, COOL, CA 95614-2537

Mortgage

Document Number	0000068732
Date	Nov 25, 2020
Instrument	2020-0068732

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jan 9, 2020
Property Address	3085 TALKING MOUNTAIN TRL, COOL, CA 95614-2537
Document Number	0000001045
Map Reference	MB E PG 85
Instrument Date	Dec 26, 2019
Instrument	2020-0001045
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Amount	Amount Recorded
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	PO BOX 1238, ALTA, CA 95701-1238

Mortgage

Document Number	0000001046
Date	Jan 9, 2020
Instrument	2020-0001046

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$373,693 (+2%) Land $78,084 Building $295,609
2025	$4,034.00 (+5.96%)	$366,366 (+4.04%) Land $76,553 Building $289,813
2024	$3,807.00 (+1.66%)
2023	$3,745.00 (+1.49%)	$352,141 Land $73,581 Building $278,560
2022	$3,690.00

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 95% of the US · above 81% of California
Wildfire Likelihood	1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

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