El Dorado County property record for 3095 Talking Mountain Trl, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,148 sqft · built 1989 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Feb 2024) |
| Tax Bill | $5,359 (2025) |
| Deeds & Mortgages | Feb 2024 Sale Jan 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-313-027-000 |
| Primary APN | 073-313-027-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,148 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 23,958 sqft (0.55 acres) |
| Terrain | Gentle Slope |
| View / Lot | Average |
| Garage Type | Attached |
| Garage Area | 760 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 2,148 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 3095 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 1499 AUBURN LK TRLS 5 |
| Legal Subdivision | AUBURN LK TRLS 5 |
| Legal Lot Number | 1499 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 30601 |
Source: El Dorado County records · APN 073-313-027-000
Assessment roll updated August 18, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 1709 DEVONSHIRE RD, SACRAMENTO, CA 95864-1502 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 20, 2024 | Grant Deed, Transfer ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL |
| Jan 30, 2017 | Deed of Trust, Mortgage · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Mar 04, 2019 | Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK |
| Aug 06, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 20, 2024 · Amount on Record |
| Deed Sale | Feb 20, 2024 · Amount on Record |
| Prior Sale | Jun 24, 2015 · Amount on Record |
| Deed Document Number | 20244984 |
| Prior Transfer Date | Jul 30, 2020 |
| Prior Transfer Doc | 0000040059 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 20, 2024 |
| Property Address | 3095 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Document Number | 0000004984 |
| Map Reference | MB E PG 85 |
| Instrument Date | Feb 15, 2024 |
| Instrument | 2024-0004984 |
| Transaction Type | Transfer |
| Record Updated | Feb 29, 2024 |
| Title Company | ORANGE COAST TITLE COMPANY/NTHRN CA, ORANGE COAST TTL CO OF NOCAL |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3095 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | INTER COUNTY TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000004281 |
|---|---|
| Date | Jan 30, 2017 |
| Instrument | 2017-0004281 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FOLSOM, CA 95630 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3095 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | PLACER TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000007016 |
|---|---|
| Date | Mar 04, 2019 |
| Instrument | 2019-0007016 |
| Name | TCF NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 23, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Aug 06, 2020 |
| Property Address | 3095 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Document Number | 0000040059 |
| Map Reference | MB E PG 85 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 2020-0040059 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3095 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Document Number | 0000040060 |
|---|---|
| Date | Aug 06, 2020 |
| Instrument | 2020-0040060 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3095 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Document Number | 0000002041 |
| Instrument Date | Jan 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3095 TALKING MOUNTAIN TRL COOL CA 956142537, COOL, CA 95614-2537 |
| Document Number | 0000002041 |
|---|---|
| Date | Jan 22, 2019 |
| Instrument | 2041 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2049 |
Source: El Dorado County records · Assessment roll updated August 18, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,359.00 (+48.78%) | $489,600 (+47.17%) Land $146,880 Building $342,720 |
| 2024 | $3,602.00 (+1.64%) | |
| 2023 | $3,544.00 (+1.52%) | $332,684 Land $92,410 Building $240,274 |
| 2022 | $3,491.00 |
Source: FEMA National Flood Hazard Layer as of August 25, 2022 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA.
Based on FCC filings for 86 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GEORGETOWN DIVIDE PUD serves 9,434 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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