El Dorado County property record for 3226 Otter Pl, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,896 sqft · built 1990 |
| Lot Size | 1.05 acres (45,738 sqft) |
| Owner | Company Name on File |
| Tax Bill | $5,438 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Jul 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-234-005-000 |
| Primary APN | 072-234-005-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,896 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Construction Type | Wood |
| Lot Area | 45,738 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 1,896 sqft |
| Heating System | Central |
|---|---|
| Water Source | Commercial |
| Street Address | 3226 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 452 AUBURN LK TRLS 3 |
| Legal Subdivision | AUBURN LK TRLS 3 |
| Legal Lot Number | 452 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3226 OTTER PL, COOL, CA 95614-9461 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Feb 6, 2026 | Grant Deed, Transfer · Second Mortgage (Down Payment) DEPARTMENT OF VETERANS AFFAIRS |
| Jul 21, 2022 | Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY |
| Jul 21, 2022 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2026 |
| Deed Sale | Feb 6, 2026 |
| Prior Sale | Feb 6, 2026 · Amount on File |
| Deed Document Number | 20264466 |
| Prior Transfer Date | Jul 21, 2022 |
| Prior Transfer Doc | 0000030957 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Feb 6, 2026 |
| Property Address | 3226 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000004465 |
| Map Reference | MB E PG 60 |
| Instrument Date | Feb 4, 2026 |
| Instrument | 2026-0004465 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2026 |
| Title Company | CHICAGO TITLE COMPANY |
| 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 |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000004467 |
|---|---|
| Date | Feb 6, 2026 |
| Instrument | 2026-0004467 |
| Name | DEPARTMENT OF VETERANS AFFAIRS |
|---|---|
| Type | Government Agency |
| Address | SACRAMENTO, CA 95814 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 21, 2022 |
| Property Address | 3226 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000030957 |
| Map Reference | MB E PG 60 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022-0030957 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3226 OTTER PL, COOL, CA 95614-9461 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 21, 2022 |
| Property Address | 3226 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000030956 |
| Map Reference | MB E PG 60 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022-0030956 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| 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 |
|---|---|
| Address | 3226 OTTER PL, COOL, CA 95614-9461 |
| Document Number | 0000030958 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022-0030958 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
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 | $514,043 (+2%) Land $108,242 Building $405,801 | |
| 2025 | $5,438.00 (+6.02%) Homeowner's exemption | $503,965 (+4.04%) Land $106,120 Building $397,845 |
| 2024 | $5,129.00 (+1.69%) | |
| 2023 | $5,044.00 (+72.8%) Homeowner's exemption | $484,398 Land $102,000 Building $382,398 |
| 2022 | $2,919.00 |
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 | High above 87% of the US · above 67% of California |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 67 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
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