El Dorado County property record for 3103 Talking Mountain Trl, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,709 sqft · built 1989 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Sep 2024) |
| Tax Bill | $2,779 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-313-028-000 |
| Primary APN | 073-313-028-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,709 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Construction Type | Wood |
| Lot Area | 19,602 sqft (0.45 acres) |
| Terrain | Rolling |
| View / Lot | Fair |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 1,709 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Old Parcel Number | 0733132810 |
|---|---|
| Street Address | 3103 TALKING MOUNTAIN TRL |
| City | COOL |
| State | CA |
| Zip | 95614-2537 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 1500 AUBURN LK TRLS 5 |
| Legal Subdivision | AUBURN LK TRLS 5 |
| Legal Lot Number | 1500 |
| 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, as of September 22, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3103 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2025 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Apr 8, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2024 · Amount on Record |
| Deed Sale | Sep 30, 2024 · Amount on Record |
| Prior Sale | Apr 8, 2024 |
| Deed Document Number | 2024-0027736 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3103 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3103 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Document Number | 0000034615 |
|---|---|
| Date | Dec 3, 2025 |
| Instrument | 2025-0034615 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Apr 8, 2024 |
| Property Address | 3103 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
| Document Number | 0000009517 |
| Map Reference | MB E PG 85 |
| Instrument Date | Mar 19, 2024 |
| Instrument | 2024-0009517 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3103 TALKING MOUNTAIN TRL, COOL, CA 95614-2537 |
Source: El Dorado County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,779.00 (-15.86%) Disabled Person's exemption Veteran's exemption | $425,000 (+37.35%) Land $128,000 Building $297,000 |
| 2023 | $3,303.00 (-2.54%) | $309,423 Land $92,823 Building $216,600 |
| 2022 | $3,389.00 |
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 | 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.
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 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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