Answer: Based on your description, it sounds like a disease attacked your tree rather than an insect. Fruit trees are subject to many foliar problems -- both disease and insect related. I think your best bet would be take a sample to your County Extension for a positive identification of both the tree and the problem at hand. They will also be able to suggest control measures, if any, that you can try now. Your local number is 454-0900.
Unfortunately, many of the fruit tree problems we encounter need to be treated beginning as early as late winter in order for the treatments to be effective, and the most effective spray schedules depend on your specific area. Your County Extension should be able to help you with that, too.
Finally, be sure to remove and destroy any fallen tree debris (prunings, leaves, fruit) to try to prevent harboring any disease or insects over the winter. Good luck with your tree!
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