El Dorado County property record for 3432 Overton Rd, Cool, CA 95614
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · 1,844 sqft · built 1980 |
| Lot Size | 3.02 acres (131,551 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $773,000 (Apr 2022) |
| Tax Bill | $7,488 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 071-193-005-000 |
| Primary APN | 071-193-005-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Construction Type | Wood |
| Lot Area | 131,551 sqft (3.02 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 1,844 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Old Parcel Number | 0711930510 |
|---|---|
| Street Address | 3432 OVERTON RD |
| City | COOL |
| State | CA |
| Zip | 95614-9550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PM 44/54/1 CHERRY ACRES |
| Legal Subdivision | CHERRY ACRES |
| Legal Lot Number | 26 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 30601 |
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 | 3432 OVERTON RD, COOL, CA 95614-9550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2022 | Grant Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Dec 8, 2020 | Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2022 · Amount on Record |
| Deed Sale | Apr 29, 2022 · Amount on Record |
| Prior Sale | Dec 8, 2020 |
| Deed Document Number | 2022-0019675 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Apr 29, 2022 |
| Property Address | 3432 OVERTON RD, COOL, CA 95614-9550 |
| Document Number | 0000019675 |
| Map Reference | MB E PG 53 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 2022-0019675 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2022 |
| 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 | 3432 OVERTON RD, COOL, CA 95614-9550 |
| Document Number | 0000019676 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022-0019676 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Number | 0000019677 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 2022-0019677 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Dec 8, 2020 |
| Property Address | 3432 OVERTON RD, COOL, CA 95614-9550 |
| Document Number | 0000071099 |
| Map Reference | MB E PG 53 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 2020-0071099 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2022 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3432 AND 3434 OVERTON ROAD, COOL, CA 95614-9550 |
| Document Number | 0000071100 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 2020-0071100 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: El Dorado County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Unified School District | Black Oak Mine Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,488.00 (+7.79%) | $687,662 (+4.04%) Land $159,181 Building $528,481 |
| 2023 | $6,947.00 (+112.45%) | $660,960 Land $153,000 Building $507,960 |
| 2022 | $3,270.00 |
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 86% of the US · above 67% of California |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
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 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zeta Broadband Fixed Wireless | 400 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Cal.net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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