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Building A New HoUse Plan

  The new home plan market is a broad spectrum ranging from charming older homes to fixer uppers; from brand new specs, to customized new homes. If you’ve ever wondered what ‘spec’ means, it’s an abbreviation for ‘speculative.’ The contractor builds a new home with the intention of selling it after it is completed. There is a reason this is popular. The average home buyer has the need to see the product (supply and demand) and the builder’s profit margin remains unknown.

   Purchasing a new house plan is much like purchasing a new car, with its new house smell. Everything works perfectly, is in excellent condition; everything fresh and clean, and best of all, you get to choose the detailing and colors.

  • Exterior Materials

   Most new house plans being built today have maintenance free exteriors. Although I’m not a big fan of vinyl siding, it does have its benefits, being cost effective, somewhat fire resistant and maintenance free, but some of us prefer natural materials inside and out which are becoming more and more expensive each year. Which materials you select for the exterior or interior of your home will have a great deal to do with, not only your taste, but your over all building budget.  

   A new house plan can only be as well built as it is planned, and this begins with the land; the site on which you have chosen to build; Once you’ve decided on the fundamentals, such as size and amount to be spent, the next step is to determine what type or style home you desire.

It is wise to have the building site acquired before investing in the house plans.

  • STYLES OF NEW HOMES

   The style of your house plan should compliment the actual building site, or the property as well as the surrounding landscape and structures; For example, a ranch style home, or a one level home works best on a level or flat grade. If this style house plan were built on a sloped grade, there would be a tremendous amount of waste in foundation wall. A split level or lower level walkout requires a sloped grade. If this style house plan were built on a flat grade it would require a tremendous amount of retaining walls. The more extreme the slope; the more extreme the structure complexity.

   It is preferable that your new house looks natural, almost like it grew there. You wouldn’t want to build a three story contemporary in a cluster of one level traditional's; nor would you want to build an English Tudor amidst a cluster of Victorians. Your new house plan should represent your personal preferences and lifestyle, but most importantly, your new house will need to be affordable.

  • ITEMS THAT MAY EFFECT COST OF NEW HOUSE PLAN

   There are a few things that greatly affect the cost of your new home for as long as you own it; property taxes, insurance and maintenance. You’ll be eligible for a reduced insurance rate if your home has a full brick or stone exterior because of its fire rating, or if you are in close proximity to a fire station, or fire hydrant; if your roofing material is fire resistant; if you have smoke detectors.

Did you know that in most states; if your roof has three layers of shingles, your insurance may not cover fire damage?

  • FLOOD INSURANCE FOR NEW HOMES

   Flood insurance is typically an additional cost and is not included in most standard new home insurance packages. Most properties have been zoned for flooding. This is called a ‘flood plain’ and is calculated in years, or how often a specific location of land has been known to flood, ranging from 0 year flood plain; meaning the grade is always below water; to 100 year flood plain, meaning it might be below water every 100 years, which is the ideal zone. As we build more and more houses, the standard has fallen from 100 year goal, to as low as 10 year flood plain. I’m sorry to say, that I’ve actually designed new homes on properties that had a 5 year flood plain, against my better judgment. It might be wise for you to check the flood plain of your property in order to determine if you need additional coverage.

The cost of property taxes can vary greatly from state to state and city to city; check your area before purchasing property for an approximate cost and budget for this all too often forgotten yearly expense.

 

 

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