Short
answer -- not to worry.
Longer explanation: If you are worried about human pathogens, it's simply a matter of distance. If you rank them in order of potential health hazards,
root crops > leafy vegetables > fruits with a rind that lay on the ground > fruits trellised or held above ground > tree fruits > nuts. If there is healthy soil biology, the pathogenic bacteria are going to become lunch for some other soil critter long before they can build up in numbers to cause a problem. E. coli is probably the most common problematic organism, and
Paul Stamets has shown that counts of E. Coli can be drastically reduced by having it flow through a mycelial mat.
What I would suggest is to mulch the fruit trees heavily, say 4-8" of
wood chippings extending past the
drip line of the trees (but don't mulch right at the trunk, like is commonly done). You can speed the inoculation process along by collecting any
mushrooms you come across, putting them through the blender with water, and applying the mushroom smoothie to the mulch. If you use store bought fresh mushrooms, you might even have a flush of edible mushrooms from your mulch after a few months. If you want to try that route, don't use the common white variety of mushroom or its brown cousin, the portabello, you have to use shiitake or oyster or cepi mushrooms.
As far as heavy metals, they are less of a problem, because they are not likely to get translocated to the fruit. Here again, the problem is mostly with leaves and the biomass of the plant which would pick up the heavy metal. However, you are near a septic leach field, not on top of a dump of mine tailings, so you don't have much of a problem starting out. One thing you can do and that will help out in general, is to apply
biochar around the trees, say a quarter to a half inch thick, for all the area under the drip line. Not only will it pick up any heavy metals in the soil, it will help with soil moisture and soil biology.