Granite Bay sits near the 1% Prop 13 base plus voter-approved bonds — roughly 1.0–1.1%, low as a percentage. The catch is the denominator: with a high median home value, that rate lands on a large number, so the annual dollar bill is among the higher ones in Placer County. Expect a one-time supplemental bill about a year after closing for the gap between the seller’s old assessed value and your purchase price.

Granite Bay is largely established custom-home and estate-lot territory that predates the CFD-heavy master-planning era, so most parcels carry little or no Mello-Roos — a real contrast with newer west Roseville and Rocklin tracts. A handful of newer infill projects can carry a special tax, so always read the parcel’s tax bill to confirm rather than assume zero.

Flatter interior Granite Bay maps mostly Low, but the neighborhoods threading into oak woodland and the Folsom Lake / open-space edges carry mapped Moderate and locally High fire-hazard zones under CAL FIRE’s 2025 maps. Combined with high dwelling values, that pushes insurance well above the flat-Roseville range, and a lake-edge parcel can face carrier non-renewal — check the specific address early.

The one that surprises people: Granite Bay sits right against Roseville, but it is unincorporated Placer County on PG&E — not Roseville Electric. The same 750 kWh month runs about $290 on PG&E (June 2026) versus roughly $156 next door on Roseville Electric. That gap is a permanent, recurring cost of the address, not a one-time item. Confirm the territory for a specific home.