4860 Silk Tree Ln, Cool, CA 95614 Property Records

El Dorado County property record for 4860 Silk Tree Ln, Cool, CA 95614

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,600 sqft · built 1992
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$1,010,000 (Jul 2026)
Tax Bill	$3,288 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`071-420-016-000`

Property Details

APN / Parcel Number

Primary APN	`071-420-016-000`
Alternative APNs	`07142016100` `0714201610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,600 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Lot Area	217,800 sqft
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Patio Area	1,600 sqft

Location & Zoning

Street Address	4860 SILK TREE LN
City	COOL
State	CA
Zip	95614-9481
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RE5
Legal Description	PM 43/27/2
Legal Subdivision	43-27, PARCEL MAP
Jurisdiction	EL DORADO CA
Township / Civil Division	NORTH EL DORADO
Census Block Group	1
Census Block	1017
Census Tract	30601

Owner

Source: El Dorado County records, as of September 16, 2026

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
Mailing Address	4860 SILK TREE LN, COOL, CA 95614-9481
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Deed, Transfer CHICAGO TITLE COMPANY
Jul 10, 2026	Grant Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC
Nov 7, 2019	Deed of Trust, Mortgage MCJAB INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Deed Document Number	202622865
Prior Transfer Date	Jul 1, 2026
Prior Transfer Doc	0000022866
Record Updated	Oct 29, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	EL DORADO CA
Recording Date	Jul 10, 2026
Property Address	4860 SILK TREE LN, COOL, CA 95614-9481
Document Number	0000022866
Instrument Date	Jul 1, 2026
Instrument	202622866
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4860 SILK TREE LN, COOL, CA 95614-9481

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	EL DORADO CA
Recording Date	Jul 10, 2026
Property Address	4860 SILK TREE LN, COOL, CA 95614-9481
Document Number	0000022865
Instrument Date	Jul 1, 2026
Instrument	202622865
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112,211.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4860 SILK TREE LN, COOL, CA 95614-9481

Mortgage

Document Number	0000022867,
Date	Jul 10, 2026
Instrument	202622867

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL DORADO CA
Property Address	4860 SILK TREE LN, COOL, CA 95614-9481
Document Number	0000048548
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4860 SILK TREE LN COOL CA 956149481, COOL, CA 95614-9481

Mortgage

Document Number	0000048548
Date	Nov 13, 2019
Instrument	48548

Lender

Name	MCJAB INC
Address	CITRUS HEIGHTS, CA 95610

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2034

Tax Assessment & Valuation

Source: El Dorado County assessment roll, as of September 16, 2026

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
2026		$310,080 (+2%) Land $22,477 Building $287,603
2025	$3,288.00 (+5.96%)	$304,001 (+4.04%) Land $22,037 Building $281,964
2024	$3,103.00 (+1.7%)
2023	$3,051.00 (+1.53%) Homeowner's exemption	$292,198 Land $21,182 Building $271,016
2022	$3,005.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	High above 88% of the US · above 69% of California
Wildfire Likelihood	0.9% annual chance
Exposure	Direct burnable vegetation

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 16 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

May also be available: Verizon.

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