Local planning guide · Updated September 25, 2026

Buying new construction in St. Johns County: organize the decisions before the first visit.

A model home can make the process feel simple. The consequential details usually sit in the contract, lot, options, financing, inspection opportunities, community obligations and delivery timeline.

Clarify representation before registering.

Builder sales representatives work for the builder. A buyer who wants separate real-estate representation should ask about the builder’s registration and representation requirements before the first community visit or online registration. Requirements vary, so confirm them for the specific builder and community.

Read the builder’s contract as its own document.

Builder agreements may differ from commonly used resale contracts. Review deadlines, deposits, financing provisions, change orders, construction tolerances, substitution rights, completion terms, default provisions, warranties and dispute procedures. Direct legal questions to a Florida real-estate attorney.

Compare incentives by total cost.

An incentive can be valuable, but its value depends on the complete transaction. Compare price, upgrades, closing-cost contributions, interest-rate terms, lender fees and restrictions using written estimates. A preferred lender or title provider may be tied to a particular incentive; compare the net result with other qualified options.

Budget beyond the base price.

Lot premiums, structural selections, design options, landscaping, window treatments and post-closing projects can materially change the total. Also identify homeowners-association dues, Community Development District assessments, current and future capital obligations, insurance estimates and property-tax assumptions.

Preserve appropriate inspection opportunities.

New does not mean exempt from inspection. Ask what inspections the agreement permits and when they may occur. Depending on the property and contract, buyers may discuss pre-drywall, final and warranty-period inspections with a qualified independent inspector.

Treat timing as a range until the facts support a date.

Permitting, materials, weather, utility work and construction sequencing can affect delivery. Coordinate rate locks, housing, moving, employment and any existing-home sale around the contract terms and current written builder updates.

Verify the surrounding infrastructure.

Confirm the utility provider, roads, planned facilities, adjacent land uses and recorded community obligations from current public records. Marketing illustrations can describe a plan; they do not replace recorded documents or government sources.

This guide is general educational information. Builder programs, contracts, incentives, timelines, community obligations, taxes, insurance and property facts can change. Verify the specific transaction with current documents and appropriate legal, lending, inspection, insurance and tax professionals.

Plan your next step

Turn the questions into a workable search.

Share the locations, property types and timing you are considering. Andrew can help organize the real-estate questions and identify the property-specific facts that still need verification.

Andrew Mueller, REALTOR® · United Real Estate Gallery

Andrew Mueller, REALTOR® · United Real Estate GalleryCall AndrewSend an inquiry