El Dorado County property record for 3955 Opal Trl, Pollock Pines, CA 95726
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,536 sqft · built 1977 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,878 (2025) |
| Deeds & Mortgages | May 2020 Reverse Mortgage May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 009-446-006-000 |
| Primary APN | 009-446-006-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,536 sqft Living Area |
| 1st Floor Area | 1,536 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Construction Type | Wood |
| Lot Area | 12,197 sqft (0.28 acres) |
| Terrain | Combination |
| Patio Area | 1,536 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Water Source | Commercial |
| Street Address | 3955 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 111 GOLD RIDGE FOREST #1 |
| Legal Subdivision | GOLD RIDGE FOREST #1 |
| Legal Lot Number | 111 |
| Jurisdiction | EL DORADO CA |
| Township / Civil Division | SOUTH EL DORADO |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 31405 |
3955 Opal Trl is owned and occupied by two individuals.
Source: El Dorado County records, as of September 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3955 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 |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC |
| May 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3955 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE OF CA |
| Name | Verified Name |
|---|
| Document Number | 0000022602 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 2020-0022602 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78737 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.26% |
| Type Change Date | Jun 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EL DORADO CA |
| Property Address | 3955 OPAL TRL, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000022603 |
| Instrument Date | May 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2020 |
| Title Company | WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3955 OPAL TRL POLLOCK PINES CA 957269735, POLLOCK PINES, CA 95726-9735 |
| Document Number | 0000022603 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 22603 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.26% |
The 2025 property tax bill for 3955 Opal Trl was $1,878 with a homeowner's exemption.
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 | $176,042 (+2%) Land $42,080 Building $133,962 | |
| 2025 | $1,878.00 Homeowner's exemption | $172,591 Land $41,255 Building $131,336 |
| 2023 | $1,762.00 (+1.61%) Homeowner's exemption | $165,891 Land $39,654 Building $126,237 |
| 2022 | $1,734.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3955 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 3955 Opal Trl is high, ranking above 86% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 66% of California |
|---|---|
| Wildfire Likelihood | 0.5% 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 173 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures