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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Loomis Basin · Unincorporated community (CDP)

Get to know Granite Bay.

Folsom Lake access, established neighborhoods and larger parcels make the exact location and ownership costs central to a Granite Bay search.

Granite Bay at a glance

Setting
Unincorporated Placer County beside Folsom Lake Source
School pathway
Eureka Union TK-8 to Granite Bay High within its boundaries Source
Comparisons
Gated communities, established neighborhoods and lake access Source

What do homes cost here?

$1,294,384

Median sale price · Granite Bay · All home types

Three months ending September 2026 · -0.39% year over year

Redfin reports closed-sale data for this geography and period. A median is the middle sale, not an asking price or an estimate for a particular home. Compare similar properties and neighborhoods before using it as a budget.

Read the market data

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

Quick answers

Where do I check Granite Bay lake-access conditions?

Use the Folsom Lake State Recreation Area page for current ramp status, park hours and safety notices. Conditions can change with water levels and park operations.

Does Eureka Union serve all homes with a Granite Bay address?

The district describes its service area as portions of Granite Bay and east Roseville. Check the boundary for the specific home instead of treating its postal name as enrollment confirmation.

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
Welcome to Granite Bay.
Welcome to Granite Bay. Photo credit

Which parts should I compare?

Wexford

A brokerage property profile describes Wexford as guard-gated, with association-maintained recreation amenities and access toward Granite Bay Golf Club. Treat the listing as a neighborhood introduction, then obtain the current association documents for fees, membership rights and restrictions.

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Los Lagos

Los Lagos is among the gated communities identified by local brokerage RubyHome. Compare the specific lot and association terms with Wexford and other gated options; a gate is not a substitute for reviewing the property, roads or ownership costs.

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Shelborne

Shelborne is an established named neighborhood with larger homes in the local listing record. Compare the actual lot, maintenance obligations and remodel history rather than using one luxury listing as the neighborhood's typical price.

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Folsom Lake access

Granite Bay and Beals Point are recreation access points within Folsom Lake State Recreation Area. For a lake-oriented search, distinguish convenient access from private lake frontage or association rights; those are different property features.

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A feel for everyday life.

For a first visit, begin with Folsom Lake State Recreation Area's Granite Bay access. State Parks publishes ramp conditions, park hours and safety notices. Check those before packing for a swim or boat trip; a nearby home does not guarantee a particular launch will be usable.

Compare the daily route to Douglas Boulevard services with the route to the lake. A property that looks close on a map may have a different entrance, access arrangement or maintenance burden. Include landscaping, drainage and insurance in the comparison, especially when the lot is a large part of the purchase.

Eureka Union School District serves portions of Granite Bay and east Roseville in grades TK-8. Its official information identifies the transition from district schools to Granite Bay High School in Roseville Joint Union High School District. Use the district's boundary information for the specific address before relying on that pathway.

A Granite Bay market-wide median cannot price an individual acreage property, subdivision home or new build. Start with comparable properties and their condition, then request a complete ownership-cost estimate. The home-search link below is focused on Granite Bay rather than a countywide search.

Make a visit more than a house tour.

Folsom Lake State Recreation Area

Check Granite Bay ramp conditions, hours and safety notices before a lake visit.

Explore the details (opens in a new tab)

Eureka Union community and schools

Learn about the district's Granite Bay and east Roseville service area.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Granite Bay's market includes luxury and estate-style properties, but the community is not one uniform product. Compare gated versus nongated homes, lot utility, property condition and access before treating the median as a target.

Browse Granite Bay 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.

New construction to explore

Woodside Homes · The Park at Granite Bay

Explore this gated Granite Bay community and its floor plans. Granite Bay is an unincorporated county community. Confirm HOA responsibilities, services and the exact property location before deciding.

Builder community details (opens in a new tab)

New homes in Granite Bay

See the Granite Bay new-home hub

Schools and districts

Eureka Union serves TK-8 in part of Granite Bay and east Roseville. Its district profile says students within its boundaries continue to Granite Bay High in Roseville Joint Union High School District. Cavitt and Olympus are its junior high schools. This is a documented pathway, not a claim that every Granite Bay postal address follows it.

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?

Lake days and normal weekdays

Use the state park's entrance information to compare the trip to Granite Bay or Beals Point with your weekday route. A home can be near the lake on a map without having the same road access as another neighborhood.

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A regional transit connection, not a doorstep service

Rapid Link serves the Roseville medical centers and Galleria. Add the trip from the Granite Bay address; these are regional stops.

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What belongs in the ownership budget?

Quote insurance while you can still compare homes

Request an address-specific replacement-cost quote early, including any brush or defensible-space requirements the insurer imposes. If ordinary coverage is unavailable, California's Department of Insurance describes the FAIR Plan as a last option and recommends considering supplemental Difference in Conditions coverage for gaps.

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Separate the association from the property

A broker's stated Wexford dues or amenities describe that listing at that time. Get the current resale documents, reserve study and any special assessment before carrying those numbers into your own budget. Larger homes also deserve an itemized maintenance estimate.

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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?

  • Request an insurance quote for the home before relying on an estimated total payment.
  • Compare lot maintenance and access arrangements, not just home size.

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%