Preheat oven to 350°F.
Grease and flour pan.
Whisk together the flour, baking powder, baking soda, salt cinnamon, nutmeg, and cloves in one of the bowls. Then stir in the walnuts. Set aside.
Place the egg in the other bowl. With the whisk, slightly beat the egg.
To the egg, add the milk, applesauce, melted coconut oil, and sugar. Whisk together, then add the shredded zucchini and diced apples to this bowl. Mix in with the rubber spatula.
Add the dry ingredients to the wet ingredients and mix until just blended into batter. Do not over mix.
Put the batter into the greased and floured loaf pan. Sprinkle with sanding sugar, if using.
Bake for 50 minutes or until a toothpick inserted in the center comes out clean.
Remove from the oven, and let cool 5 minutes.
Turn out onto a rack to cool completely.