01 — Construction

New Construction Guide

New construction is booming on the Gulf Coast. Understanding Florida-specific terms, builders, and considerations will help you make a confident decision.

02 — Glossary

Florida Real Estate Terms

HOA

Homeowners Association. A governing body in planned communities that enforces rules, maintains common areas, and collects monthly or annual fees.

CDD

Community Development District. A special-purpose government entity that finances infrastructure (roads, water, sewer) through bonds repaid by property owners. Common in large master-planned communities.

Flood Zone

A FEMA-designated area indicating flood risk. Properties in high-risk zones (A or V zones) typically require flood insurance for federally-backed mortgages.

Wind Mitigation

An inspection that documents a home's wind-resistance features (roof shape, openings protection, etc.). Better mitigation can significantly reduce insurance premiums.

4-Point Inspection

An inspection covering four major systems: roof, electrical, plumbing, and HVAC. Often required by insurance companies for older homes.

Impact Windows

Windows designed to withstand flying debris during hurricanes. Installing impact windows can eliminate the need for hurricane shutters and reduce insurance costs.

CBS Construction

Concrete Block and Stucco. The standard construction method in Florida, providing excellent wind resistance and durability.

Standing Seam Roof

A metal roof with raised interlocking seams. More resistant to high winds than traditional shingle roofs and often qualifies for insurance discounts.

03 — Builders

Major Builders on the Gulf Coast

Neal Communities

Price Range: $400K - $1.5M+
Specialty: Luxury custom and semi-custom homes
Quality: High

Communities

Grand PalmIsles of Collier PreserveBtnhy Cays

DR Horton

Price Range: $300K - $700K
Specialty: Affordable family homes
Quality: Mid-range

Communities

Expressions at Welland ParkTerra CeiaSummerfield

Lennar

Price Range: $350K - $900K
Specialty: Everything's Included approach
Quality: Mid to high

Communities

Bayshore at Panther RidgeDel Ray at Lakewood RanchIslandwalk

Taylor Morrison

Price Range: $380K - $800K
Specialty: Modern coastal designs
Quality: Mid to high

Communities

Inlets at River StrandCentral Park at Lakewood Ranch

Mattamy Homes

Price Range: $320K - $650K
Specialty: Family-oriented master plans
Quality: Mid-range

Communities

Villages of Lakewood RanchBalmoral

Pulte Homes

Price Range: $350K - $750K
Specialty: Energy-efficient designs
Quality: Mid-range

Communities

Lakewood RanchWellen Park

04 — Decision

New Construction vs. Resale

New Construction

Modern building codes with enhanced hurricane resistance
Energy-efficient systems and lower utility bills
Builder warranties (typically 1-10 years)
Customization options during build
Lower insurance costs for newer construction
Higher base price, plus upgrades add up
Construction timelines can be unpredictable

Resale

Established neighborhoods with mature landscaping
Move-in ready, no waiting for construction
Often in prime, well-located areas
Negotiation leverage in established markets
Unique character and architectural variety
May need updates or renovations
Higher insurance for older construction

05 — Incentives

Builder Incentives

Builders frequently offer incentives to attract buyers, especially in competitive markets. These can include closing cost contributions, free upgrades, rate buydowns through preferred lenders, and design center credits. Understanding what's available and negotiating effectively can save you thousands.

Closing Cost Contributions

Builders may cover a portion of your closing costs, typically $5,000-$15,000

Design Center Credits

Free upgrades on countertops, flooring, cabinets, and fixtures

Rate Buydowns

Preferred lenders may offer temporary or permanent rate reductions

New Construction Updates

Latest builder news, community openings, and market insights.