3187 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3187 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,487 sqft · built 1989
Lot Size	2.41 acres (105,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Jul 2021)
Tax Bill	$6,085 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`073-332-014-000`

Property Details

APN / Parcel Number

Primary APN	`073-332-014-000`
Alternative APNs	`07333214100` `0733321410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,487 sqft Living Area
1st Floor Area	1,487 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	105,415 sqft
Terrain	Gentle Slope
View / Lot	Average
Garage Type	Attached
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,487 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3187 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/C
Legal Subdivision	AUBURN LAKE TRAILS
Legal Lot Number	1507
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	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Mar 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 28, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Aug 14, 2018	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Dec 23, 2015 · Amount on Record
Deed Document Number	202147374
Prior Transfer Date	Mar 8, 2021
Prior Transfer Doc	0000018495
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jul 21, 2021
Property Address	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000047374
Map Reference	MB 34 PG 58
Instrument Date	Jul 19, 2021
Instrument	2021-0047374
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

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	Joint Tenants
Address	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000047375
Date	Jul 21, 2021
Instrument	2021-0047375

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	Mar 16, 2021
Property Address	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000018495
Map Reference	MB 34 PG 58
Instrument Date	Mar 8, 2021
Instrument	2021-0018495
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
Relationship	Joint Tenants
Address	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000018496
Date	Mar 16, 2021
Instrument	2021-0018496

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000046642
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 13, 2019
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3187 TALKING MOUNTAIN TRL COOL CA 956142535, COOL, CA 95614-2535

Mortgage

Document Number	0000046642
Date	Nov 1, 2019
Instrument	46642

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3187 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000034838
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3187 TALKING MOUNTAIN TRL COOL CA 956142535, COOL, CA 95614-2535

Mortgage

Document Number	0000034838
Date	Sep 5, 2018
Instrument	34838

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

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		$568,276 (+2%) Land $146,128 Building $422,148
2025	$6,085.00 (+6.01%)	$557,134 (+4.04%) Land $143,263 Building $413,871
2024	$5,740.00 (+1.65%)
2023	$5,647.00 (+1.53%)	$535,500 Land $137,700 Building $397,800
2022	$5,562.00

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	Very High above 91% of the US · above 74% 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.

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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