Buying a brand‑new home in Palm Coast can be exciting—modern floor plans, energy‑efficient features, and builder warranties. Before you sign a contract, here are the key points every 2025 buyer should know.
1. Popular New‑Build Communities
- Matanzas Lakes – 55+ gated community with lake‑view lots.
- Sawmill Creek – Family‑friendly, with community pool and playground.
- Hidden Lakes – Close to Town Center shopping and restaurants.
2. Understanding Base Price vs. Out‑The‑Door Cost
Model‑home upgrades—cabinets, flooring, extended lanais—can add 15‑25% to the advertised base price. Always request an itemized options sheet.
3. Builder Incentives in 2025
- 3% closing‑cost credit when using preferred lender.
- Free appliance package on homes that close within 60 days.
4. Warranty Coverage
Most builders offer a 1‑year workmanship, 2‑year systems, and 10‑year structural warranty. Review exclusions for pools and seawalls.
5. Inspection Is Still Essential
Schedule a third‑party inspection at pre‑drywall and final walk‑through stages to catch framing, HVAC, and plumbing issues before closing.
6. HOA & CDD Fees
Some master‑planned communities include Community Development District (CDD) assessments, adding $1,000–$2,400 per year to your tax bill.
7. Financing New Construction
- Rate‑lock programs up to 360 days protect against market volatility.
- Construction‑to‑permanent loans require two closings; builder financing usually requires only one.
Next Steps
Ready to explore new construction? Contact our Palm Coast new‑build specialists to schedule model‑home tours and review the latest incentives.