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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Foresthill Divide · Unincorporated community (CDP)

Get to know Foresthill.

Foresthill offers a town park, Divide history and nearby American River recreation, with a daily routine shaped by the road back toward Auburn.

Foresthill at a glance

School geography
Foresthill Divide School is at 22888 Foresthill Road and describes its current grades as 3 through 8. Source
Water provider
Foresthill Public Utility District operates a drinking-water system and customer service in Foresthill. Source

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

Quick answers

Does Foresthill have a town park?

Yes. Leroy E. Botts Memorial Park has county-listed recreation facilities and reservation information.

Where should I start school research in Foresthill?

Foresthill Union’s current directory lists Foresthill Elementary and Foresthill Divide School. Placer Union provides high-school information. Ask the districts about the home address and current grade arrangements.

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.

Jump to a section
Foresthill Bridge, connecting the Auburn and Foresthill area.
Foresthill Bridge, connecting the Auburn and Foresthill area. Photo credit

Which parts should I compare?

The school and town route

Foresthill Divide’s own description places the school on the ridge between the North and Middle Forks of the American River. Use its Foresthill Road address and the district’s Main Street office as practical points for a visit. Compare the actual route from a home, particularly when daily activities extend beyond the town center.

Source

The wider Divide

The Foresthill Divide Community Plan is broader than a single Main Street location. Its land-use and circulation materials help orient a search, while the specific property determines how much driving, land management and private infrastructure comes with the purchase. Review the map before treating two Foresthill listings as close substitutes.

Source

A feel for everyday life.

Leroy E. Botts Memorial Park is a useful town-center stop. The county lists courts, play areas, ballfields, picnic space and a swimming pool, with reservations handled through the parks division. Check the current season and program information for any activity rather than assuming every facility operates year-round.

The county museum program offers a self-guided Foresthill history tour. Pair that with the town’s public spaces to understand the Divide as a place people live, not only a route to outdoor recreation. A short visit to the center can make later property comparisons more meaningful.

Auburn State Recreation Area connects the wider landscape along the North and Middle Forks of the American River. State Parks publishes access, camping and closure information. Pick a specific trailhead or recreation area before setting out; a nearby canyon on a map does not mean there is a short or open road to it.

Foresthill Union’s current directory lists both Foresthill Elementary and Foresthill Divide School. Contact the district for current grade arrangements and transportation, and Placer Union for high school. On the property side, test the actual Foresthill Road trip and review local emergency information rather than assuming a map shortcut is an evacuation route.

Make a visit more than a house tour.

Leroy E. Botts Memorial Park

Town park facilities, reservations and seasonal activity information.

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Foresthill self-guided history tour

Find the county museum program’s Foresthill route.

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Auburn State Recreation Area

Check specific trailheads, access and closures.

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Explore homes with the full picture.

Use the town-center and ridge setting to narrow the search, then compare the actual driveway, water account and maintenance history. A larger parcel may fit outdoor plans, but the useful price comparison is approved living space plus land that works for your intended use.

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

Foresthill Union lists Foresthill Elementary and Foresthill Divide; Divide serves grades 3 through 8. Ask the district about the elementary program, enrollment and transportation. Foresthill High is a separate Placer Union campus.

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?

Compare actual destinations

Include the school, town services and the route toward Auburn in a first visit. A home’s position along the Divide changes its practical trip before it ever reaches a regional highway. Use the community-plan circulation map as context, then test the drive at the hour you expect to travel.

Source

What belongs in the ownership budget?

Water is a real budget line

The utility district provides a water-service application, billing access and water-quality information. Request the property’s account details and recent bills, including meter or usage charges. Do not substitute a neighbor’s bill or an old regional comparison for the actual service arrangement.

Related resource

Check plans for extra rooms

Check septic and building records before adding rooms on a ridge parcel.

Related records

Water information in one place

Foresthill Public Utility District publishes a consumer-confidence report and water-year information alongside billing and service applications. Those pages give prospective residents a direct starting point for understanding the local system. Use the service office to connect that system-level information with the particular meter and account attached to a home.

Source

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?

  • Use the current district directory, not an old campus grade configuration.
  • Check designated access routes and recreation closures before travel.

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%