Building in Palm Harbor

Asked by ILuvDunedinFL, Dunedin, FL Wed Aug 8, 2012

Found a great location, but house won't pass inspection. I'd like to make offer to buy land. If I get land:
1. If I build basic block house, nothing fancy or custom, 2/1.5 at least, throw me some plans, I'll pick one - how much to build and how long?
2. Can I put a manufactured house up in Palm Harbor that's not in a development?
3. Any other options/advice?
Thanks in advance.

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sunnymeinlargo’s answer
sunnymeinlar…, Home Owner, Dunedin, FL
Tue May 14, 2013
Thanks everyone for your replies. Shortly after posting my question, I closed on a house in Dunedin. I guess when I posted my question I was starting to wonder if I was going to find a decent house in my pirce range in a nice area. I lucked out and couldn't be happier. Again thanks for your replies.
0 votes
David DuBow, Agent, Tarpon Springs, FL
Mon May 13, 2013
Building in Palm Harbor or anywhere in the Tampa Bay area is a great choice. Now you can build an energy efficient home that will save you up to 50% compared to a resale. You will also save up to 60% on your homeowners insurance compared to a resale. ECO Design and Construction builds custom energy efficient homes in the Tampa Bay area that start around $200,000 up to $1,000,000. These homes are incredible, and include waterfront, golf course communities from Tampa, to Palm Harbor, Safety Harbor, Duendin, Oldsmar, Tarpon Spings and East Lake. It's a great choice to compare to reslaes, and a great value.
0 votes
Pamela Cohn, Agent, Clearwater, FL
Fri Aug 10, 2012
If your goal is to save money...knocking down a tear down and then building may not be the route to go.
1. The smaller the house, the higher the price per sq. foot cost for new construction.
2. Unless you are paying cash for the lot and tear down you are looking at financing the lot and then getting a construction loan, which is more difficult and a higher rate.
3. As one of the earlier answers stated a manufactured/mobile home will go down in value- after 25 years you can't get insurance on them.
4. Find a full time professional realtor, sit down for a consult regarding your needs and a mortgage broker for what you can comfortably afford and let them help you through the process. This is a major investment. Take the time to do it right and be prepared.

I feel an informed client makes the best decisions regarding their real estate needs. Let me know if I can be of assistance.


Pam Cohn
Broker Associate, GRI, SFR, NHS
Real Estate Consulting, Marketing & Sales
Prudential Tropical Realty
2539 Countryside Blvd #3 Clearwater, FL 33761
TEXT "PAMELA" TO 727-213-5142
0 votes
Alma Kee, Agent, Tampa, FL
Thu Aug 9, 2012
Another option is the Freddie Mac HomeStyle mortgage with 5% down that will allow you to "remodel" an existing home. Also FHA 203K will allow you to take an existing structure and "remodel".

Contact Wells Fargo for the HomeStyle or FHA 203k.

If you only need $35k max to "remodel" and there are no structural repairs, you can go with a streamline 203k and almost any lender will do these mortgages.

Also if you buy a Fannie Mae owned fixer upper property you can do a HomePath Renovation mortgage with as little as 3% down (5% down will get you a significantly better interest rate, though).

If you're not already working with a Realtor, you're welcome to search ALL properties available and know the true status (active with contract are not actually available for you to get a binding contract on), sign up for a free ListingBook account on my website:

All the best,
Alma Rose Kee, PA
Future Home Realty
0 votes
Annette Law…, Agent, Palm Harbor, FL
Thu Aug 9, 2012
Palm Harbor is not an incorporated city and is therefore governed by Pinellas County.
You have many options available. One that you should consider is seen in the Glen Cairn community in downtown Dunedin FL. This community is located on Douglas Ave between Main Street and the ball stadium on Beltrees. (NOTICE: I receive no compensation from Glen Cairn)…

I have an EXCEPTIONAL site with an existing home, (a blow up) located on a city block, in a well maintained, non-deed restricted community. This is a very unique property with Curlew Creek running through it. Country living in the heart of Pinellas County.

The reason this will be such a bargain is half of the property, high and dry, can only be used for enjoyment/recreational, meaning it can not be build upon. In essence, you will have your own private park.

Take a look at the option of Glen Cairn (will build on your site) and the unique site I have available.
Please call if you are serious. I will not follow this thread.
Don't use that 'contact' link.
Don't use the Trulia email.
If you are serious call.

Best of success to you,
Annette Lawrence, Broker/Associate
Remax Realtec Group, Palm Harbor, Fl
0 votes
Stephen McRo…, Mortgage Broker Or Lender, Tampa, FL
Thu Aug 9, 2012

My advice is to scrap all your plans! The bank vault is open, buyers are pulling out bags of gold and you're looking to grab a bag of pennies?

There is a glutton of homes being sold at once in a lifetime good deals!

1. lot loans are almost non existant these days

2. construction loans are a royal pain and very rare these days

3. manufactured homes are seen as Trailers by lenders, they have terrible financing and Go Down In Value!

Do yourself a favor and find a good deal on a Re-sale or Foreclosure, put 3% down with NO PMI or no money down while rates are low and be glad you took my advice.
0 votes
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