El Dorado County property record for 3640 Penobscot Rd, Cool, CA 95614
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,176 sqft · built 1920 |
| Lot Size | 22 acres (958,320 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $610,000 (Jul 2018) |
| Tax Bill | $7,411 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 074-260-011-000 |
| Primary APN | 074-260-011-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 4 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1960 |
| Construction Type | Wood |
| Lot Area | 958,320 sqft |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 1,176 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Oil |
| Water Source | Well |
| Street Address | 3640 PENOBSCOT RD |
|---|---|
| City | COOL |
| State | CA |
| Zip | 95614-9420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE |
| Legal Description | RS 10/65/4 |
| Legal Tract | 4 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | NORTH EL DORADO |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 30606 |
3640 Penobscot Rd is owned and occupied by two individuals who bought it in July 2018.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3640 PENOBSCOT RD, COOL, CA 95614-9420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Oct 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MTG |
| Jul 5, 2018 | Grant Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2018 · Amount on File |
| Deed Sale | Jul 5, 2018 · Amount on File |
| Prior Sale | Jan 27, 2000 · Amount on File |
| Deed Document Number | 201825828 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3640 PENOBSCOT RD, COOL, CA 95614-9420 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3640 PENOBSCOT RD, COOL, CA 95614-9420 |
| Document Number | 0000016967 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 2021-0016967 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3640 PENOBSCOT RD, COOL, CA 95614-9420 |
| Document Number | 0000047048 |
| Instrument Date | Oct 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3640 PENOBSCOT RD COOL CA 956149420, COOL, CA 95614-9420 |
| Document Number | 0000047048 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 47048 |
| Name | ENVOY MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 3, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 5, 2018 |
| Property Address | 3640 PENOBSCOT RD, COOL, CA 95614-9420 |
| Document Number | 0000025828 |
| Map Reference | MB 10 PG 65 |
| Instrument Date | Jun 11, 2018 |
| Instrument | 2018-0025828 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | NORTH AMERICAN 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 3640 PENOBSCOT RD, COOL, CA 95614-9420 |
| Document Number | 0000025829 |
|---|---|
| Date | Jul 5, 2018 |
| Instrument | 2018-0025829 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2025 property tax bill for 3640 Penobscot Rd was $7,411.
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 | $694,070 (+2%) Land $375,481 Building $318,589 | |
| 2025 | $7,411.00 | $680,462 Land $368,119 Building $312,343 |
| 2023 | $6,856.00 (+1.23%) | $654,040 Land $353,825 Building $300,215 |
| 2022 | $6,773.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3640 Penobscot Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3640 Penobscot Rd is very high, ranking above 94% of the US, with a 2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 94% of the US · above 79% 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.
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 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Cal.net Fixed Wireless | 100 / 20 |
May also be available: AT&T.
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures