El Dorado County property record for 3900 Opal Trl, Pollock Pines, CA 95726
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,371 sqft · built 1979 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $394,000 (Oct 2025) |
| Tax Bill | $4,199 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Sep 2020 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-445-007-000 |
| Primary APN | 009-445-007-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,371 sqft Living Area |
| 1st Floor Area | 1,371 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Traditional |
| Construction Type | Wood |
| Lot Area | 10,454 sqft (0.24 acres) |
| Terrain | Combination |
| Garage Type | Attached |
| Garage Area | 325 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 108 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 3900 OPAL TRL |
|---|---|
| City | POLLOCK PINES |
| State | CA |
| Zip | 95726-9735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L 77 GOLD RIDGE FOREST #1 |
| Legal Subdivision | GOLD RIDGE FOREST #1 |
| Legal Lot Number | 77 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 31405 |
3900 Opal Trl is owned and occupied by two individuals who bought it in October 2025.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| 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 |
|---|---|
| Oct 23, 2025 | Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Sep 30, 2020 | Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Jun 27, 2018 | Grant Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Jul 24, 2017 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE |
| Jul 24, 2017 | Grant Deed, Transfer · FHA Mortgage FIDELITY NATIONAL TITLE COMP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2025 · Amount on File |
| Deed Sale | Oct 23, 2025 · Amount on File |
| Prior Sale | Sep 30, 2020 · Amount on File |
| Deed Document Number | 202530197 |
| Prior Transfer Date | Jul 20, 2017 |
| Prior Transfer Doc | 0000030114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Oct 23, 2025 |
| Property Address | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000030197 |
| Map Reference | MB E PG 29 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 2025-0030197 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2025 |
| Title Company | INTER CNTY TTL CO OF EL DORA |
| Amount | Amount 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 | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000030198 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 2025-0030198 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 0000030199 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 2025-0030199 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Sep 30, 2020 |
| Property Address | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000054246 |
| Map Reference | MB E PG 29 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 2020-0054246 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | FIDELITY NATL TTL CO OF CA |
| 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 | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000054247 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 2020-0054247 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jun 27, 2018 |
| Property Address | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000024807 |
| Instrument Date | Jun 22, 2018 |
| Instrument | 24807 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $374.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 OPAL TRL POLLOCK PINES CA 957269735, POLLOCK PINES, CA 95726-9735 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 24, 2017 |
| Property Address | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000030114 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 30114 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 3900 OPAL TRL POLLOCK PINES CA 957269735, POLLOCK PINES, CA 95726-9735 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | EL DORADO CA |
| Recording Date | Jul 24, 2017 |
| Property Address | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000030115 |
| Map Reference | MB E PG 29 |
| Instrument Date | Jul 19, 2017 |
| Instrument | 2017-0030115 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2021 |
| Title Company | FIDELITY NATIONAL TITLE COMP |
| 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 | 3900 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | , 2017-0030116 |
|---|---|
| Date | Jul 24, 2017 |
| Instrument | 2017-0030116 |
| Type | Mortgage Company |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 3900 Opal Trl was $4,199.
Source: El Dorado County assessment roll, as of September 16, 2026
| Type | Name |
|---|---|
| State | California |
| County | El Dorado County |
| Secondary School District | El Dorado Union High School District (09 - 12) |
| Elementary School District | Pollock Pines Elementary School District (KG - 08) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $394,000 (+3.56%) Land $59,000 Building $335,000 | |
| 2025 | $4,199.00 | $380,472 Land $59,533 Building $320,939 |
| 2023 | $3,938.00 (+1.52%) | $365,700 Land $57,222 Building $308,478 |
| 2022 | $3,879.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3900 Opal Trl in Zone X, an area of minimal flood risk.
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 risk around 3900 Opal Trl is high, ranking above 85% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 85% of the US · above 65% of California |
|---|---|
| Wildfire Likelihood | 0.6% 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 | EL DORADO ID - MAIN serves 128,408 people · EPA ID CA0910001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2024–2026) 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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