3130 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3130 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1987
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Sep 2017)
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073-322-016-000`

Property Details

APN / Parcel Number

Primary APN	`073-322-016-000`
Alternative APN	`0733221610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Construction Type	Wood
Lot Area	61,855 sqft (1.42 acres)
Terrain	Wooded
View / Lot	Fair
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	0733221610
Street Address	3130 TALKING MOUNTAIN TRL
City	COOL
State	CA
Zip	95614-2538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PM 34/53/D
Legal Subdivision	AUBURN LAKE TRAILS
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 22, 2025

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	3130 TALKING MOUNTAIN TRL, COOL, CA 95614-2538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 7, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Sep 29, 2017	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Aug 4, 2004 · Amount on Record
Deed Document Number	2017-0043738
Record Updated	Jun 7, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3130 TALKING MOUNTAIN TRL, COOL, CA 95614-2538
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 TALKING MOUNTAIN TRL, COOL, CA 95614-2538

Mortgage

Document Number	0000037755
Date	Jun 4, 2021
Instrument	2021-0037755

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3130 TALKING MOUNTAIN TRL, COOL, CA 95614-2538
Document Number	0000034359
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	AMROCK TITLE CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3130 TALKING MOUNTAIN TRL COOL CA 956142538, COOL, CA 95614-2538

Mortgage

Document Number	0000034359
Date	Jul 13, 2020
Instrument	34359

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	324 Months
Due	Jul 12, 2047

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Sep 29, 2017
Property Address	3130 TALKING MOUNTAIN TRL, COOL, CA 95614-2538
Document Number	0000043738
Instrument Date	Sep 22, 2017
Instrument	43738
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3130 TALKING MOUNTAIN TRL COOL CA 956142538, COOL, CA 95614-2538

Mortgage

Document Number	43739
Date	Sep 29, 2017
Instrument	43739

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of July 1, 2025

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
2025	$3,752.00 (+7.66%)	$340,207 (+4.04%) Land $96,714 Building $243,493
2023	$3,485.00 (+1.51%)	$326,998 Land $92,959 Building $234,039
2022	$3,433.00

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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