3165 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3165 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,375 sqft · built 1994
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Sep 2020)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`073-332-015-000`

Property Details

APN / Parcel Number

Primary APN	`073-332-015-000`
Alternative APNs	`07333215100` `0733321510`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,375 sqft Living Area
1st Floor Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Wood
Lot Area	41,382 sqft (0.95 acres)
Terrain	Gentle Slope
View / Lot	Average
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,375 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3165 TALKING MOUNTAIN TRL
City	COOL
State	CA
Zip	95614-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PM 34/58/D
Legal Subdivision	AUBURN LAKE TRAILS UNIT #5
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	4
Census Block	4003
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	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 1, 2020	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
May 23, 2019	Intrafamily Transfer, Transfer FIDELITY NATL TTL CO OF CA
May 23, 2019	Grant Deed, Transfer · Conventional Mortgage MASTERS TEAM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	May 23, 2019 · Amount on Record
Deed Document Number	202046380
Prior Transfer Date	May 22, 2019
Prior Transfer Doc	0000019864
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000061621
Date	Sep 28, 2021
Instrument	2021-0061621

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Sep 1, 2020
Property Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000046380
Map Reference	MB 34 PG 58
Instrument Date	Aug 18, 2020
Instrument	2020-0046380
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Community Property with Right of Survivorship
Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000046381
Date	Sep 1, 2020
Instrument	2020-0046381

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	May 23, 2019
Property Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000019864
Map Reference	MB 34 PG 58
Instrument Date	May 22, 2019
Instrument	2019-0019864
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIDELITY NATL TTL CO OF CA

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
Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	May 23, 2019
Property Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000019865
Map Reference	MB 34 PG 58
Instrument Date	May 15, 2019
Instrument	2019-0019865
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIDELITY NATL TTL CO OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3165 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000019866
Date	May 23, 2019
Instrument	2019-0019866

Lender

Name	MASTERS TEAM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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		$375,385 (+2%) Land $71,764 Building $303,621
2025	$3,976.00 (+6%) Homeowner's exemption	$368,025 (+4.04%) Land $70,357 Building $297,668
2024	$3,751.00 (+1.68%)
2023	$3,689.00 (+1.51%) Homeowner's exemption	$353,736 Land $67,626 Building $286,110
2022	$3,634.00

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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