El Dorado County property record for 3166 Upper Black Rock Rd, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,089 sqft · built 1979 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Jun 2026) |
| Tax Bill | $3,092 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-031-025-000 |
| Primary APN | 073-031-025-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,089 sqft Living Area |
| 1st Floor Area | 1,089 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Wood |
| Lot Area | 87,120 sqft (2 acres) |
| Terrain | Combination |
| View / Lot | Average |
| Patio Area | 1,089 sqft |
| Water Source | Commercial |
|---|
| Street Address | 3166 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 | SEC 10 12 9 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 30601 |
Source: El Dorado County assessment roll, as of August 18, 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 File |
|---|---|
| Mailing Address | 3166 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 18, 2026 | Grant Deed, Transfer · Conventional Mortgage US BANK |
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 18, 2026 · Amount on Record |
| Deed Sale | Jun 18, 2026 · Amount on Record |
| Prior Sale | Jan 27, 2005 · Amount on Record |
| Deed Document Number | 202620052 |
| Prior Transfer Date | Jun 21, 2013 |
| Prior Transfer Doc | 0000059714 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jun 18, 2026 |
| Property Address | 3166 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Document Number | 0000020052 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202620052 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $44,440.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3166 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Document Number | 0000020053, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202620053 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000020054, |
|---|---|
| Date | Jun 18, 2026 |
| Instrument | 202620054 |
| Name | US BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 30 Months |
| Due | Aug 15, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Aug 3, 2026 |
| Property Address | 3166 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Document Number | 0000025196 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202625196 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3166 UPPER BLACK ROCK RD, COOL, CA 95614-9533 |
| Document Number | 0000025196, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 202625196 |
| Name | US BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
Source: El Dorado County assessment roll, as of August 18, 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 | $3,092.00 (+5.93%) | $278,752 (+4.04%) Land $139,376 Building $139,376 |
| 2024 | $2,919.00 (+1.64%) | |
| 2023 | $2,872.00 (+1.48%) | $267,930 Land $133,965 Building $133,965 |
| 2022 | $2,830.00 |
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 | Very High above 92% of the US · above 76% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
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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