First Fence your property!! Do not put trees on your property line!!
As for the septic tank and drainfields, do not put trees near them.
You can garden on top of them if you understand plants, if not
grass is the best route to go. To garden in this area you can't
plant veggies that grow downward, carrots, potatoes are a no no.
Tomatoes, corn, pumpkins, veggies with shallow roots are the
best for the drain fields. Putting in grass, a good perennial rye
is the best and easy to maintain. Are you in the city or county?
Size of the lot? Sorry for all the questions but I have seen so
many folks fail on their landscapes and when the trees grow they
area shocked at the size that they can get and placement can
cause neighboring issues.