El Dorado County property record for 3188 Otter Pl, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 1976 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Jun 2023) |
| Tax Bill | $4,234 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-234-010-000 |
| Primary APN | 072-234-010-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Construction Type | Wood |
| Lot Area | 43,124 sqft (0.99 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 350 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3188 OTTER PL |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-9461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | L 457 AUBURN LK TRLS 3 |
| Legal Subdivision | AUBURN LK TRLS 3 |
| Legal Lot Number | 457 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 30601 |
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 | 3188 OTTER PL, COOL, CA 95614-9461 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed, Transfer · Conventional Mortgage UNIFIED HOME LOANS |
| Apr 1, 2026 | Grant Deed, Transfer ORANGE COAST TITLE COMPANY |
| Jun 23, 2023 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2023 · Amount on Record |
| Deed Sale | Jun 23, 2023 · Amount on Record |
| Deed Document Number | 202317200 |
| Last Transfer Date | Aug 5, 2024 |
| Transfer Doc | 0000022090 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Apr 1, 2026 |
| Property Address | 3188 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000010762 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 202610762 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3188 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000010764, |
|---|---|
| Date | Apr 1, 2026 |
| Instrument | 202610764 |
| Name | UNIFIED HOME LOANS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Apr 1, 2026 |
| Property Address | 3188 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000010763 |
| Instrument Date | Mar 26, 2026 |
| Instrument | 202610763 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | ORANGE COAST TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3188 OTTER PL, COOL, CA 95614-9461 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jun 23, 2023 |
| Property Address | 3188 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000017200 |
| Map Reference | MB E PG 60 |
| Instrument Date | Jun 20, 2023 |
| Instrument | 2023-0017200 |
| Transaction Type | Transfer |
| Record Updated | Jul 4, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 3188 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000017201 |
|---|---|
| Date | Jun 23, 2023 |
| Instrument | 2023-0017201 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
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 | $392,700 (+7.84%) Land $118,320 Building $274,380 | |
| 2025 | $4,234.00 (+11.89%) | $364,140 (+249.8%) Land $104,040 Building $260,100 |
| 2024 | $3,784.00 (+222.32%) | |
| 2023 | $1,174.00 (+1.47%) | $104,098 Land $18,072 Building $86,026 |
| 2022 | $1,157.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 91% of the US · above 75% 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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Cal.net Fixed Wireless | 100 / 20 |
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