New Construction
The Treasure Coast New Construction Buying Process
Step-by-step guide to buying a new construction home in Florida, from builder selection and reservation to design center, financing, walk-throughs, and closing day.
Buying a new construction home on the Treasure Coast follows a different path than a resale transaction. There is no MLS listing, no inspection-period negotiation, and the seller is a builder with their own contracts and timelines.
The new construction buying journey
Step 1: Get pre-approved and define your priorities
Most Treasure Coast builders require a lender pre-approval letter before reserving a homesite. Define your must-haves first, county, city, school zone, lot premium tolerance, and timeline.
Step 2: Tour communities with a buyer's agent
Bring your own buyer's agent on the FIRST visit. Builders cover the agent commission, but only if your agent registers you on the initial walk-in. This is the single most expensive mistake new construction buyers make.
Step 3: Reserve the homesite and sign the builder contract
Reservation deposits convert into the contract deposit, which varies by builder. Florida builder contracts are non-standard, review escalation clauses, change-order rules, and contingency language carefully.
Step 4: Design center and structural options
Within 2–4 weeks of contract you'll select cabinets, countertops, flooring, and any structural options. Lock in upgrades early, most are non-refundable and locked at this point.
Step 5: Construction phase and walk-throughs
Treasure Coast new construction typically takes 7–11 months from permit to closing. Expect a pre-drywall walk-through and a final orientation walk.
Step 6: Closing day and warranty period
Final walk-through, lender funding, and key handoff happen the same day. Your 1-year workmanship warranty starts at closing, keep a punch list.
Frequently Asked Questions
Do I need a real estate agent for new construction?
Yes, and you must register them on your first visit. The builder pays the commission either way; without an agent, the builder simply keeps it. An experienced buyer's agent helps negotiate incentives, review contracts, and protect your interests.
How much earnest money is required?
It varies by builder and price point, so ask for the deposit schedule in writing. Much of it is non-refundable once you pass contingency periods.
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