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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Sierra and I-80 · Unincorporated community (CDP)

Get to know Kingvale.

A Donner Summit community where school location, winter road access and the Placer/Nevada county boundary belong in the first home-buying conversation.

Kingvale at a glance

Named elementary campus
Donner Trail Elementary is listed by TTUSD as a TK-5 school in Kingvale. Source

For this small community, compare recent closed sales with similar property type, condition and access. The regional MLS table does not provide a standalone median here. Source

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

Quick answers

Is all of Kingvale in Placer County?

No. The official Placer Census profile labels a Kingvale portion. Establish the county from the parcel record before researching taxes or local rules.

Is there a school in Kingvale?

TTUSD lists Donner Trail Elementary on Donner Pass Road in Kingvale. Contact the district about enrollment and attendance boundaries.

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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Serene Lakes viewed from Bill and Flora’s Point.
Nearby Serene Lakes. Regional context, not a photo of this community. Photo credit

Which parts should I compare?

Donner Pass Road and the county boundary

Kingvale sits in the Donner Summit corridor across Placer and Nevada counties. Establish the parcel's county before comparing rental rules, taxes and services; a Kingvale address alone does not identify its jurisdiction.

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The school and summit recreation circuit

Use Donner Trail Elementary as a local touring anchor. Compare the route to school with the approach to the highway and recreation; the broad Donner Summit label does not establish equivalent access.

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A feel for everyday life.

Kingvale is a useful reminder that a community name and a county boundary are different things. The official Placer Census profile identifies only the Placer portion. Locate the parcel itself before choosing a county service office or assuming a countywide home search is complete.

Donner Trail Elementary is a concrete local anchor: Tahoe-Truckee Unified lists its campus on Donner Pass Road in Kingvale. Use the district enrollment resources to understand the current process rather than inferring attendance from a nearby listing.

For a summit home, turn the winter-access discussion into a practical checklist. Ask for the plowing arrangement, access easements, heating records, roof-maintenance history and a demonstration of the internet connection. Use current I-80 conditions when planning a visit, and include the route to your ordinary errands rather than only the route to recreation.

Make a visit more than a house tour.

Donner Trail Elementary

District information for the Donner Pass Road campus.

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Royal Gorge landscape

A regional Donner Summit recreation option with land trust visitor guidance.

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Explore homes with the full picture.

For an older summit cabin, ask about reconstruction cost and winter maintenance early. A modest purchase price does not settle the annual 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

Directory: Donner Trail Elementary: TK-5 at 52755 Donner Pass Road.

School information Enrollment 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?

An I-80 and Donner Pass Road decision

The summit approach uses Interstate 80 and historic Highway 40/Donner Pass Road. Inspect the local approach to the home, snow-storage space and winter maintenance arrangement. A summer map estimate does not establish a dependable winter commute. Royal Gorge's official directions are a useful way to understand the regional route, not an assurance that your street is maintained on the same schedule.

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What belongs in the ownership budget?

Rental rules need the parcel first

For a Kingvale property inside eastern Placer's STR area, the county's 3,900 cap and nontransferable permit rules matter. Do not extend them to a Nevada County parcel. Nevada County publishes its own short-term-rental guidance, including restrictions on some ADUs, and a separate tax process. A seller's old rental listing cannot establish the new owner's eligibility.

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Insurance and carrying costs

Request property-specific coverage; compare deductibles and exclusions.

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Read the local ownership guide

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 apply Placer rules automatically to a Nevada County parcel.
  • Confirm the home-specific water provider and access agreement; do not assume a communitywide arrangement.

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%