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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Western Placer · Unincorporated community (CDP)

Get to know Sheridan.

Sheridan pairs a local elementary school and community park with the rural landscape of western Placer County.

Sheridan at a glance

School and mailing locator
Sheridan Elementary is at 4730 H Street, Sheridan 95681; CDE lists grades K through 5. Source
Water system
Placer County operates the Sheridan public water system and publishes its fee information. Source

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

Quick answers

Does Sheridan have a local school?

Yes. Sheridan Elementary is part of Western Placer Unified School District. The school and district can explain current enrollment, transportation and campus plans.

Where can I find community space in Sheridan?

The county lists Sheridan Park at 6005 Camp Far West Road and provides a separate contact for Stewart Hall reservations.

Can I use a USDA loan to buy a home here?

USDA offers no-down-payment financing for qualified households buying an eligible rural primary residence. Check the exact Sheridan address and household income through USDA, then obtain lender review. This guide does not establish eligibility for any particular home.

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
Downtown Lincoln.
Nearby downtown Lincoln. Regional context, not a photo of this community. Photo credit

Which parts should I compare?

The H Street school area

Start with Sheridan Elementary and the local street grid when comparing a home near the community center with an outlying parcel. The district is Western Placer Unified, not a school district named Sheridan. Its campus expansion page is a useful place to follow future improvements without assuming proposed work is already finished.

Source

Community-plan area

The Sheridan Community Plan provides separate land-use, circulation and water/sewer maps. Use them to understand the difference between a home in the serviced community and a property outside that network. The community name alone is not a map of utility connections or development potential.

Source

Sheridan Park and Stewart Hall

Sheridan Park at 6005 Camp Far West Road has a playground, picnic areas, a ball diamond and a half basketball court. The county lists a separate reservation contact for Stewart Hall. This is a concrete local gathering place to include alongside the school when getting to know Sheridan.

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A feel for everyday life.

Sheridan Park on Camp Far West Road is a useful place to begin a visit. The county lists a playground, picnic space, basketball half court and a baseball or softball diamond, with Stewart Hall inquiries handled separately. Use the park as a local landmark while exploring the surrounding roads rather than judging Sheridan only from Highway 65.

Sheridan Elementary is on H Street and belongs to Western Placer Unified School District. The district is planning campus expansion and improvements in response to future enrollment. That makes the school project page worth following during a longer home search; proposed work is not the same as a completed facility.

The Sheridan Community Plan addresses the town and surrounding rural land. Read its maps alongside a shortlisted parcel, especially for drainage, road connections and any airport-related overlay. The plan is a way to ask better property questions, not a promise that a particular addition, animal use or business will be allowed.

A practical scouting day includes the park, the school route and a full grocery or appointment trip. For a home with acreage, compare the cost of maintaining the land and any outbuildings with the cost of the house itself. A rural address alone does not establish loan-program eligibility.

Make a visit more than a house tour.

Sheridan Park and Stewart Hall

Find park amenities and the county contact for hall reservations.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Start by separating homes near the H Street center from outlying properties. For each candidate, build the budget from its actual water account, land upkeep and route to school or work rather than treating all Sheridan-address homes as one product.

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

Sheridan Elementary is listed as K through grade 5 in Western Placer Unified. Ask the district about current TK arrangements, the middle/high-school pathway and school-bus stops for the exact home. A proposed campus expansion should not be used as a promise about next year’s programs, classrooms or enrollment capacity.

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?

Plan the school trip separately

For a house-hunting visit, include the drive to H Street as well as the route toward work and shopping. The community plan discusses a desire to extend bus service; that is not evidence of an operating Sheridan route. Obtain a current operator itinerary before choosing a home on the assumption that a commuter bus stops nearby.

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What belongs in the ownership budget?

Read the tax bill as well as the mortgage estimate

The county water FAQ explains that Sheridan water charges are billed on property-tax statements. Ask for the full bill and identify service charges separately from assessed-value taxes. This helps avoid overlooking a recurring utility expense or counting it twice in your monthly budget.

Related records

Check the current fee, not a proposed maximum

The county water page links a fee increase effective July 1, 2026. Use the adopted schedule and the property’s service units for budgeting. An older hearing notice with proposed annual increases is not a current bill, and a neighboring parcel’s charge may not describe the property you are buying.

Related records

Could a USDA loan fit?

USDA's Section 502 Guaranteed Loan Program offers no-down-payment financing for qualified households buying a primary residence in an eligible rural area. Check the exact address in USDA's eligibility tool and ask an approved lender to review income, credit and property requirements. Budget separately for closing costs.

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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?

  • Separate planned school improvements from completed work.
  • Review parcel drainage, services and overlays before budgeting for land uses.

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%