Nick’s Lending.Placer County
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Explore Nick’s Lending

10-year TreasuryYield · Oct 29, 20264.980%
Rates as of Oct 29, 2026Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.
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Foothills and I-80 · Unincorporated community

Get to know Applegate.

Applegate has a county park and a distinct foothill planning identity, with service details that can change from one property to the next.

Applegate at a glance

Community park
Applegate Park is at 290 Applegate School Road, Applegate 95703. Source
Everyday recreation
The park includes a walking loop, ball field, basketball court, playground and reservable pavilion. Source

Reviewed . Market periods are shown separately. Next resource review due 2027-01-22.

Quick answers

Does Applegate have a park?

Yes. Applegate Park is listed by Placer County on Applegate School Road.

Are all Applegate homes on septic?

Do not assume so. The county lists sewer infrastructure in Applegate. Request service records for the specific property to establish whether it has sewer or an onsite system.

Sources & further reading

Community resource review: . This date applies to the local resources and answers added to this guide, not to live home inventory, pricing or future project completion.

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The pond and walking trail at Meadow Vista Park.
Nearby Meadow Vista Park. Regional context, not a photo of this community. Photo credit

Which parts should I compare?

Applegate School Road

The park gives a specific destination for testing whether a home’s location supports the kind of everyday outdoor time you want. Visit the walking loop and the approach from the property, then check how that trip fits with school and errands. Park proximity is easier to judge on the ground than from a wide search radius.

Source

Regional planning boundary

Applegate is included in the county’s Weimar/Applegate/Clipper Gap plan. Treat the plan as an orientation layer, then research the exact parcel. A property described as Applegate can still require separate answers about its utility connection, access agreement and school district.

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A feel for everyday life.

Applegate Park on Applegate School Road gives a first visit a local destination. The county lists it in its park system. Pair a park stop with the route through the community and the streets around a home, rather than treating the freeway exit as the whole picture of Applegate.

Applegate is part of the county’s Weimar/Applegate/Clipper Gap planning area. The plan is useful for seeing how rural homes, roads and other land uses fit together. The community name does not establish that every parcel has the same permitted uses or the same services.

There is public sewer infrastructure in Applegate: the county lists an Applegate 1 Lift Station Improvement Project. That is a useful correction to the idea that every rural home must be on septic. It also does not establish a connection for a particular house. Request the actual provider and connection records for the home you are considering.

Placer Hills Union’s school directory names Sierra Hills in Meadow Vista and Weimar Hills in Weimar. Map the school trip alongside regular errands and work travel. Placer Hills Fire Protection District also lists Applegate in its service area, making its local preparedness information worth reviewing before a move.

Make a visit more than a house tour.

Applegate Park

Find the county park location and current visitor information.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Compare proximity to Applegate Park and the I-80 connection with the privacy and upkeep of a more removed parcel. Ask what the driveway, drainage and outbuildings require each year. Those items turn an attractive setting into a realistic ownership budget.

Browse Placer County homes on Zillow (opens in a new tab)

Zillow opens separately. Listings, estimates and boundaries are third-party information, not our inventory or a guarantee of value or availability. Check the exact address and terms with your agent.

Ask us and your real estate professional to research new construction for your specific search. Use the current new-home directory alongside county planning records; an approved project is not the same as homes available to buy.

Schools and districts

Sierra Hills (TK-3) and Weimar Hills (4-8) are the Placer Hills Union campuses. Confirm the property’s district and bus arrangements.

School information

Confirm the exact address, current attendance boundary and enrollment with the district. A nearby school is not a guaranteed assignment.

Local services and providers

What does getting around look like?

I-80 corridor bus option

Route 40 runs between the Alta store, Colfax and Auburn stations with a limited deviation area along I-80.

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A place for a gathering

The county takes reservations for Applegate Park’s ball field and BBQ pavilion, while unreserved areas are available first come, first served. The park also has a decomposed-granite loop and horseshoe pit. Review the current reservation form for an event rather than assuming a public park means exclusive use.

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What belongs in the ownership budget?

Do not assume every home is on septic

The county lists an Applegate sewer project, while individual homes may have different arrangements. Obtain the seller’s current bill and provider confirmation. If the property uses septic, gather its permit and as-built records rather than treating the community name as proof of the system type.

Related records

Price the land work

Ask who maintains any shared road and identify drainage channels, retaining structures and outbuildings during inspection.

Related records

Compare the address, not just the price.

Bring the listing, tax bill, HOA statement and insurance quote. We can help put the recurring costs beside the loan payment before you compare homes.

Talk through the numbers

What should I check before choosing a home?

  • Do not assume every Applegate house has sewer or every house uses septic.
  • Drive the complete route from the freeway to the driveway.

Visit at more than one time of day. Check insurance availability, utilities, total property charges and commute conditions for the specific address before removing contingencies.

Keep exploring.

Your next move

Make this place feel like yours.

Tell us which communities interest you, what your days look like, and where you could use a hand.

Start a conversation

Rate context & assumptions

Dated rate references, not a live quote. Check the rates-as-of date shown with the figures. Review the product-specific assumptions below.

Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.

30-year fixed

Rate 7.161% · APR 7.232%

* Conventional 30-year fixed-rate purchase loan. $650,000 purchase price. $455,000 loan amount. $195,000 down payment (30%). 70% LTV. 780 representative credit score. Owner-occupied single-family residence in California. 360 monthly payments. 30-day rate-lock period.

Pricing shown at par: 0.000 discount points and $0 lender credit. Estimated principal-and-interest payment is $3,076.48 per month. Payment does not include property taxes, homeowners insurance, HOA dues, assessments, or other property-related charges. The actual total monthly payment will be higher. Mortgage insurance is not included because this example assumes 70% LTV.

The illustrative APR assumes $3,200 in prepaid finance charges and an amount financed of $451,800. Actual APR and closing costs depend on the final loan terms and which charges constitute finance charges under applicable law. Rate, APR, fees, and availability are subject to change until locked. All loans are subject to credit, income, asset, property, appraisal, underwriting, and program requirements.

Example as of October 29, 2026 at 6:35 AM Pacific. This is not an approval, offer, guarantee, or commitment to lend.

15-year fixed

Rate 6.411% · APR 6.523%

15-year fixed temporary estimate as of 2026-10-29: 0.750 percentage points below the 30-year conventional reference. Not independently sourced lender pricing.

Illustrative purchase: $650,000 price, $455,000 loan, $195,000 down (30%), 70% LTV, 780 credit score. Owner-occupied California single-family residence; 180 monthly payments; 30-day lock assumption.

At 0.000 points and $0 lender credit, estimated principal and interest is $3,941.31/month. Taxes, insurance, HOA and other property charges are excluded; total payment will be higher.

Modeled APR uses $3,200 prepaid finance charges and $451,800 amount financed over 180 months. This is an estimate, not an offer or commitment. Actual rates, APR and eligibility require individual review.

FHA · 30-year fixed

Rate 6.991% · Modeled APR 7.061%

FHA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

VA · 30-year fixed

Rate 6.839% · Modeled APR 6.908%

VA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

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10-year Treasury · Yield · Oct 29, 2026 · 4.980%