Usually the sale price listed for a fractional is for that fraction (2 months, four months, whatever is specified in that listing). The monthly or annual costs - for taxes, insurance, association fees, etc. - are usually listed as the amount for the fraction, but sometimes the agent will enter these for the full ownership instead of the fraction. It's best to contact a good local agent to check all the information for you if your really interested in any listing. Sometimes data in a listing can be wrong or needs updating.
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Thought I'd add an update to this thread since I just received bids from several builders for construction here in Princeville. Depending on what kind of house you want it is definitely still cheaper to buy an existing house, although the prices are higher now than a year ago. The lowest-priced 3 bedroom home here now is just under $700,000 and currently there are only 3 for sale under $740,000. A couple of them are very nice and IMO very good values.
Cost to build here depends on what you want and what your building site mandates (e.g. if you'll be building out over a downward slope, need special grading, etc.). I was quoted cost-per-square-foot ranging from $150 to $300 for our site, which is fairly level so it doesn't need much grading and no special foundation or retaining walls. If anyone is interested in building here I'll be happy to give you the contact info for several local builders. Talking to them is the best way to get a real idea of the cost for what you want to build.
If you want to see what homes are selling for here or get more info re: building here email me at email@example.com or call/text me at (808) 346-3081.... more