El Dorado County property record for 3135 Upper Black Rock Rd, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,678 sqft · built 1981 |
| Lot Size | 2.25 acres (98,010 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,560 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-031-022-000 |
| Primary APN | 073-031-022-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,678 sqft Living Area |
| 1st Floor Area | 1,678 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Construction Type | Wood |
| Lot Area | 98,010 sqft |
| Terrain | Combination |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 1,678 sqft |
| Cooling System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 3135 UPPER BLACK ROCK RD |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-9533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2A |
| Legal Description | RS 10/104/2 |
| Legal Tract | 2 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 30601 |
3135 Upper Black Rock Rd is owned and occupied by an individual who acquired it in February 2026.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3135 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 24, 2026 | Grant Deed, Transfer · Second Mortgage (Down Payment) DEPARTMENT OF VETERANS AFFAIRS |
| Feb 28, 2018 | Grant Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 24, 2026 |
| Deed Sale | Feb 24, 2026 |
| Prior Sale | Feb 24, 2026 · Amount on File |
| Deed Document Number | 20266145 |
| Prior Transfer Date | Jul 30, 1997 |
| Prior Transfer Doc | 0000044490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 24, 2026 |
| Property Address | 3135 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Document Number | 0000006144 |
| Instrument Date | Feb 17, 2026 |
| Instrument | 2026-0006144 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2026 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000006146 |
|---|---|
| Date | Feb 24, 2026 |
| Instrument | 2026-0006146 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | SACRAMENTO, CA 95814 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 28, 2018 |
| Property Address | 3135 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Document Number | 0000007367 |
| Instrument Date | Feb 20, 2018 |
| Instrument | 7367 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $401.50 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3135 UPPER BLACK ROCK RD COOL CA 956149533, COOL, CA 95614-9533 |
| Document Number | 7368 |
|---|---|
| Date | Feb 28, 2018 |
| Instrument | 7368 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 27, 2048 |
The 2025 property tax bill for 3135 Upper Black Rock Rd was $4,560, up 6% from the year before.
Source: El Dorado County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $423,607 (+2%) Land $118,377 Building $305,230 | |
| 2025 | $4,560.00 (+5.97%) | $415,302 Land $116,056 Building $299,246 |
| 2024 | $4,303.00 (+1.65%) | |
| 2023 | $4,233.00 (+1.51%) | $399,177 Land $111,550 Building $287,627 |
| 2022 | $4,170.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3135 Upper Black Rock Rd in Zone X, an area of minimal flood risk.
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 risk around 3135 Upper Black Rock Rd is very high, ranking above 93% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 93% of the US · above 78% 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.
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 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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