MORGAN CREEK GOLF CLUB

The rolling terrain through Roseville's oak-studded hills creates natural elevation changes that designer Rick Jacobson used to craft dramatic approach shots, particularly on the downhill par-4 14th where club selection becomes critical with a 40-foot drop to a well-bunkered green. Water comes into play on five holes, but it's the strategic creek crossings rather than forced carries that separate this Northern California daily-fee gem from the pack. The bentgrass greens run true year-round, and the conditioning rivals many private clubs in the Sacramento area.