Yep. Looks like a loquat, although those leaves look smoother than the loquats I'm used to. Their leaves are a bit fuzzy. Maybe it's because it's a young tree, perhaps?
I can hardly wait for the ones in my neighborhood to bloom. Either the locals don't know they're edible, or, they ate so many of them in their younger days, they're tired of them.
Either way, I will be harvesting all the loquat fruits I want this season, and making LOQUAT JAM!
Ain't God good?
