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Constructing Your Dream Home
Buying land to build your own home is a dream for many. Whether you're envisioning a cabin in the woods, a farmhouse on acreage, or a modern custom home in the countryside, owning the land is the essential first step. But land buying isn’t as simple as just picking a lot and getting started. Here's a guide to help you make a smart, informed purchase:
1. Know Your “Why” and Set Your Priorities
Start by clarifying your goals:
- Are you looking for privacy, views, or proximity to work, schools, or recreation?
- Do you want acreage for animals or gardening?
- Is this a forever home or an investment?
Knowing your “why” will help you narrow down location, size, and type of land. Create a checklist of must-haves and nice-to-haves so you stay focused when reviewing properties.
2. Understand Zoning, Access, and Utilities
Not all land is buildable or ready for construction. Before you fall in love with a parcel, check:
- Zoning laws – Confirm the property is zoned for residential use and allows the type of structure you want to build.
- Legal access – Ensure there is a deeded, legal right-of-way to the property.
- Utilities – Check availability or cost to install water, sewer/septic, electricity, internet, and phone service. Remote areas may require wells, septic systems, or off-grid solutions.
Starting point: Call the local planning or building department with the parcel number to verify buildability and requirements.
3. Evaluate the Land Itself
Not all land is created equal. Consider:
- Topography – Flat land is easier and cheaper to build on. Hillside or sloped lots may require extra grading or engineering.
- Soil quality – Necessary for septic approval or growing gardens. A percolation (perc) test may be required.
- Flood zones or environmental restrictions – These can affect insurability, building setbacks, or whether you can build at all.
Suggestion: Hire a land surveyor or contractor to walk the site with you before buying. They can help spot red flags or hidden costs.
4. Budget for More Than Just the Land
Buying land is just the beginning. Costs can add up quickly:
- Site prep: clearing trees, grading, or leveling
- Permits and inspections
- Septic system or well installation
- Driveway or road access
- Utility hookups
- Temporary housing if building takes time
Tip: Ask your lender or builder for a site development cost estimate based on the specific parcel before making an offer.
5. Work with the Right Professionals
Land transactions are different from buying a home and can be more complex. Build a team that understands land and custom builds:
- Real estate agent experienced in land sales
- Builder or contractor who can give realistic feedback on your plans
- Loan officer familiar with land and construction loans
- Title company to ensure there are no easements or liens
Suggestion: Ask your agent if the seller has a recent survey, soil test, or topographic map available. These can save you time and money.
Final Thoughts
Buying land to build your home gives you freedom and the opportunity to create something truly yours. But the key to success is in preparation and due diligence. Take the time to understand the property, the hidden costs, and the legalities before you commit.
Need help finding the right piece of land? Reach out to Tennessee Real Properties at (931) 248-6785—your dream home starts with a solid foundation.