3317 Talking Mountain Trl, Cool, CA 95614 Property Records

El Dorado County property record for 3317 Talking Mountain Trl, Cool, CA 95614

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,875 sqft · built 1983
Lot Size	1.33 acres (57,935 sqft)
Owner	Company Name on Record
Last Sale	$370,000 (Aug 2018)
Tax Bill	$4,457 (2025)
Deeds & Mortgages	May 2023 Transfer Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073-401-030-000`

Property Details

APN / Parcel Number

Primary APN	`073-401-030-000`
Alternative APNs	`07340130100` `0734013010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,875 sqft Living Area
1st Floor Area	1,875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2004
Construction Type	Wood
Lot Area	57,935 sqft (1.33 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Patio Area	1,875 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	3317 TALKING MOUNTAIN TRL
City	COOL
State	CA
Zip	95614-2533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	PM 39/12/1 AUBURN LK TRLS 5
Legal Subdivision	AUBURN LK TRLS 5
Legal Lot Number	1522
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 August 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Intrafamily Transfer, Transfer
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 2, 2018	Grant Deed, Transfer · Conventional Mortgage V I P INDEPENDENT MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Prior Sale	Mar 30, 2012 · Amount on Record
Deed Document Number	201829994
Last Transfer Date	Apr 19, 2023
Transfer Doc	0000011931
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EL DORADO CA
Recording Date	May 2, 2023
Property Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533
Document Number	0000011931
Map Reference	MB 39 PG 12
Instrument Date	Apr 19, 2023
Instrument	2023-0011931
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533
Transaction Type	Mortgage
Record Updated	Mar 18, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533

Mortgage

Document Number	0000015937
Date	Mar 8, 2021
Instrument	2021-0015937

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Aug 2, 2018
Property Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533
Document Number	0000029994
Map Reference	MB 39 PG 12
Instrument Date	Jul 31, 2018
Instrument	2018-0029994
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	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
Address	3317 TALKING MOUNTAIN TRL, COOL, CA 95614-2533

Mortgage

Document Number	0000029995
Date	Aug 2, 2018
Instrument	2018-0029995

Lender

Name	V I P INDEPENDENT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of August 18, 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	$4,457.00 (+5.99%) Homeowner's exemption	$412,736 (+4.04%) Land $72,505 Building $340,231
2024	$4,205.00 (+1.69%)
2023	$4,135.00 (+1.55%) Homeowner's exemption	$396,711 Land $69,691 Building $327,020
2022	$4,072.00

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	Extreme above 98.1% of the US · above 89% of California
Wildfire Likelihood	2% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Cal.net Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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