Frequently asked questions

A spec home is a house a builder starts on land they already own, before a buyer signs on, using a set floor plan and a chosen exterior. You can often still pick from a limited set of finish options, depending on how far construction has gotten by the time you find it. It's a faster path to a new home than a fully custom build, since the design and permitting work is already done.

Semi-custom means you start from one of our existing floor plans, then choose the exterior style, colors, and finish selections that are still open on that build, either on a lot we hold or on land you already own. It's a middle path between buying a finished spec home and designing a custom home from scratch, giving you real choices without the longer design timeline a fully custom build requires.

Minor changes are sometimes possible on a semi-custom build, depending on how far along construction is and what the change involves structurally. For a fully custom home, the floor plan is built around what you want from the start, so this isn't really a concern. Talk to Scott early about any change you're considering, since the cost and feasibility depend heavily on timing.

Both. We build on lots we currently hold, like Sage Forest and the Segrest Rd corridor, and we build on land you already own. If you have your own lot, bring us the address and we'll walk it with you to talk through what it would take to build there, including anything specific to the site that might affect cost or timeline.

No, you can work with Scott directly. If you already have an agent, you're welcome to bring them into the process; we're glad to coordinate with them on scheduling, offers, and paperwork. Either way, the price and the process stay the same, whether you come to us directly or through an agent, so there's no disadvantage either way, and no added cost for choosing one path over the other.

Cost runs roughly $160 to $300 or more per square foot, depending on the lot, the finish level, and whether coastal elevation requirements apply. A rural inland lot in Pace will typically land lower in that range than a flood-zone lot near the coast, where added engineering and elevation work push the price up considerably. Ask Scott for a more specific range once you know your plan and lot.

Santa Rosa County charges a transportation impact fee of $1,636 per single-family home, the 2025 rate, adjusted for inflation in January 2026. It's a standard part of permitting a new home in the county and gets factored into the overall project cost from the start, so it's never a surprise added on later in the process. Other counties and municipalities may charge different amounts.

Many buyers building near Whiting Field and NAS Pensacola use VA loans, and both new construction and completed spec homes can qualify depending on the lender and loan program. Talk to your lender early about VA requirements for new construction so financing lines up with the build timeline, since VA loans sometimes involve additional inspection steps along the way that other loan types don't require.

A custom build typically uses a construction-to-permanent loan, which funds the build in stages and converts to a standard mortgage at completion. A spec home that's finished or nearly finished can usually be bought with a standard mortgage, the same as buying any existing home already on the market today. Talk to your lender about which structure fits your specific timeline.

We publish nine named plans today, with more added as they are finalized. Each plan page shows current square footage, bed and bath counts, features, and available exterior options, so check back if you don't see something that fits yet, since our library grows month to month rather than staying fixed at three plans indefinitely. Contact Scott if you have a specific plan style in mind.