3253 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3253 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1989
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Apr 2020)
Tax Bill	$4,210 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`073-332-010-000`

Property Details

APN / Parcel Number

Primary APN	`073-332-010-000`
Alternative APN	`0733321010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Construction Type	Wood
Lot Area	23,958 sqft (0.55 acres)
Terrain	Rolling
View / Lot	Fair
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	1,723 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Old Parcel Number	0733321010
Street Address	3253 TALKING MOUNTAIN TRL
City	COOL
State	CA
Zip	95614-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 1514 AUBURN LK TRLS 5
Legal Subdivision	AUBURN LK TRLS 5
Legal Lot Number	1514
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 22, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 26, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Apr 17, 2020	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 29, 2017	Grant Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2020 · Amount on Record
Deed Sale	Apr 17, 2020 · Amount on Record
Prior Sale	Jun 29, 2017 · Amount on Record
Deed Document Number	2020-0017440
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Transaction Type	Mortgage
Record Updated	Dec 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000033424
Date	Nov 27, 2023
Instrument	2023-0033424

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000064000
Date	Oct 8, 2021
Instrument	2021-0064000

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000005325
Date	Jan 26, 2021
Instrument	2021-0005325

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Apr 17, 2020
Property Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000017440
Map Reference	MB E PG 85
Instrument Date	Apr 15, 2020
Instrument	2020-0017440
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	PLACER 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	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000017441
Date	Apr 17, 2020
Instrument	2020-0017441

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jun 29, 2017
Property Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535
Document Number	0000026669
Map Reference	MB E PG 85
Instrument Date	Jun 22, 2017
Instrument	2017-0026669
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	CHICAGO TITLE SACRAMENTO

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
Address	3253 TALKING MOUNTAIN TRL, COOL, CA 95614-2535

Mortgage

Document Number	0000026670
Date	Jun 29, 2017
Instrument	2017-0026670

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of July 1, 2025

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
2025	$4,210.00 (+7.7%)	$382,772 (+4.04%) Land $76,553 Building $306,219
2023	$3,909.00 (+1.51%)	$367,910 Land $73,581 Building $294,329
2022	$3,851.00

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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