Covenant Homes has been building homes in Pasco County for over 30 years. Our design flexibility and personal touch makes us unqiue from other home builders in Pasco County. We want to build your dream home so we listen to your ideas and ensure your home is just the right fit for you.
Build a Custom Home in Pasco County
Pasco County is home to cities such as Wesley Chapel, New Port Richey, Land O’ Lakes and Hudson. Located just north of Tampa, Pasco County is close to the Gulf of Mexico, but also has a lot of undeveloped land, which makes it an attractive location to live in Florida. For more than 30 years, we have designed and built custom homes in Pasco County and are well known with the community. All of our home floor plans are named after family members. All of our custom home floor plans are named after members of our family – it’s part of what makes Covenant Homes unique. We can customize a floor plan to fit your needs exactly.
If you are looking to build a home in Pasco County, but need to purchase land first, contact Covenant Homes for more information on how our Realtor partners can help you find the perfect lot and we can build your dream home. Covenant Homes is a well-known build on your lot builder and we will work with you every step of the way. To help you navigate this process, we put together a quick guide: How to Buy Land to Build a House.
View Our Floor Plans
Benefits of Building a Custom Home in Pasco County
One of the most important decisions a homebuyer will make is whether to purchase an existing home or build a fully custom one. While resale homes can offer convenience, building a custom home gives you the opportunity to create a space that is truly designed around your lifestyle, preferences, and long-term goals.
When you work with an experienced custom home builder, you’re not limited by someone else’s layout or design choices. Instead, you have the flexibility to choose everything from the floor plan and number of rooms to the architectural style and finishes. While renovations can improve an older home, they are often constrained by the original structure, which can limit functionality and increase costs over time. A custom home allows you to start fresh—avoiding common issues found in older homes such as outdated electrical systems, aging plumbing, or inefficient insulation.
Top Benefits
- Personalized Design: Create a home tailored to your lifestyle, from layout to finishes
- Modern Features and Efficiency: Incorporate energy-efficient systems and smart home technology from the start
- Fewer Maintenance Concerns: New construction reduces the risk of costly repairs associated with older homes
- Better Use of Space: Design every room with purpose, eliminating wasted or underutilized areas
- Long-Term Value: Build a home that meets your needs today and adapts to your future
Building a custom home gives you the freedom to design with intention – resulting in a home that not only looks beautiful, but functions exactly the way you need it to for years to come.
Pasco County Custom Home Building Process
When you’re ready to begin building your custom home, Covenant Homes is here to guide you through every step of the process. Our proven design-build approach provides a clear, structured path forward, so you always know what to expect. Together, we’ll take your ideas, refine your vision, and bring your home to life with a process that’s thoughtfully designed around your goals, timeline, and lifestyle.
Step 1: Get Pre-Approved
Before building begins, it’s important to get pre-approved for a construction loan. We work with a wide range of lenders, but our preferred lending partners have extensive experience with new home construction. You can reach out to them directly or contact our team for a personalized introduction.
Step 2: Evaluate Your Lot
Once your property contract is signed, Covenant Homes conducts a detailed lot assessment. This includes evaluating site conditions, estimating site work, identifying potential well or septic needs, and calculating impact fees. We’ll set a clear allowance for these costs upfront, and if your project comes in under budget, we credit the savings back to you.
Step 3: Choose Your Floor Plan
Whether you select one of our popular custom home plans or bring your own vision, we’re here to make it work. The easiest and most affordable option is to choose an existing floor plan and tailor it to your needs. If you’re dreaming bigger, we also offer full custom home options, even beyond what’s shown online. Share your ideas with us and we’ll show you hidden gems from our private plan collection.
Step 4: Kickoff + Design Meeting
Once financing is in place and your lot is assessed, it’s time to meet. We’ll walk you through the full home building process and discuss your design preferences – everything from flooring and cabinetry to paint, hardware, and more. Meetings can be in person or virtual.
Step 5: Budget + Contract Signing
We’ll finalize your selections, define your scope, and lock in your pricing with a detailed contract. You’ll know exactly what to expect with no surprises down the road.
Step 6: Build Begins
With the contract signed, construction gets underway. On average, our build timeline is approximately 12 months from groundbreaking—though homes requiring pilings or specialty foundations may take longer. Throughout the process, we keep you updated at every stage.
Already Own a Lot?
Partner with our team to create a custom home that perfectly fits your vision and land.
Need a Lot?
We have select lots available for your new home, or if you don’t see the perfect fit, we’re happy to help you find the ideal property to build on.
Why Covenant Homes
If you’re looking for a custom home builder in Pasco County, there are many reasons to work with Covenant Homes.
Our team can help you find the ideal lot. If you don’t yet own property in the area, we’ll set you up with our Realtor partners so you can find the perfect location. On the other hand, if you already own a lot, we can design a home that’s just right for the size and location.
We are a true custom homebuilder. Our floor plans let you customize every detail of your new home, such as the number of bedrooms, bathrooms, garages, and more. You can also be sure that your home will be unique. One of our specialties is adding personal touches that make each home distinctive. We’ll work closely with you and help you design your dream home.
We are a faith-based business whose family has been in Florida for five generations. We are familiar with the area and are able to help both locals and newcomers find their ideal homes.
If you are looking for a custom home builder in Pasco County, reach out online by clicking on the contact button below. We are ready to start building your dream home!
Frequently Asked Questions
Here are some of the most frequently asked questions (FAQs) we get during the home build process. If you have more questions, reach out to the Covenant Homes team.
Can I build a custom home on my own lot in Pasco County, Florida?
Yes. Covenant Homes specializes in build-on-your-lot custom home construction on privately owned land within Pasco County. We have completed more than 20 custom homes in this area over the last three years.
We help evaluate your property, review site conditions and applicable zoning setbacks, and identify considerations that could affect your home’s design and construction costs. Whether you already have architectural plans or need help developing a design, our team can guide you through planning and building a custom home suited to your property and needs.
Can I use my existing well and septic system when building a new home in Pasco County?
Possibly. An existing well or septic system may be reused, depending on its condition, location, capacity, and applicable permitting requirements.
In Covenant Homes’ experience, existing septic systems are often challenging to reuse when building a new home. The system may be in an unsuitable location for the proposed home, lack sufficient capacity, or have been approved under older standards that may not satisfy the permitting requirements applicable to the new project.
If the existing septic system cannot be reused and will be permanently taken out of service, it must be properly abandoned through the required permitting process. Covenant Homes has found that properly permitted septic-system abandonment typically costs between $1,500 and $3,000. This is the cost of the abandonment work—not simply the permit fee.
During the lot evaluation process, we help identify what needs to be reviewed so you can plan for potential reuse, modifications, replacement, or abandonment costs.
How much does it cost to build a custom home?
In Pasco County, custom-home pricing is typically based on cost per square foot of living area. In 2026, Covenant Homes’ models range from under $200 to well over $400 per square foot of living area, depending on the model, design, and selected finishes.
This is home-only pricing, not the total project cost. Applicable site-related expenses, including clearing, fill, utility connections, well and septic systems, impact fees, and special foundations, are additional and will increase the overall project cost.
Contact Covenant Homes for the latest pricing on our models and to discuss the additional costs associated with your property and proposed home.
Can Covenant Homes help me find land to build a custom home in Pasco County?
Yes! If you haven’t purchased land yet, Covenant Homes can connect you with our experienced Realtor partners to help you search for a suitable property in Pasco County. Once you have been pre-approved for construction financing, we can assist with the lot-hunting process and help you understand important considerations before moving forward with your purchase.
What should I consider before purchasing land to build a home in Pasco County?
Before purchasing vacant land in Pasco County, it’s important to consider zoning, setbacks, flood zones, utilities, soil conditions, and potential site preparation costs. Some properties may require additional work, such as clearing, fill, or installing a well and septic system. Covenant Homes can help evaluate these factors so you have a better understanding of the property’s building requirements and potential costs.
Does Covenant Homes build custom homes in flood zones or waterfront areas of Pasco County?
Yes. Covenant Homes has extensive experience building custom homes in flood zones and coastal communities throughout the Tampa Bay area, including portions of Pasco County. Depending on the property’s flood designation and elevation requirements, construction may involve elevated foundations, pilings, or other specialized design considerations.
Our team evaluates these requirements during the lot assessment process to help determine the appropriate approach for your new home. We have completed more than 50 coastal homes over the last three years.
Can I modify one of Covenant Homes' floor plans or bring my own design?
Yes. Covenant Homes offers flexible floor plans that can be customized to fit your needs, preferences, and property. Whether you want to adjust the layout, add a garage, explore an accessory dwelling unit (ADU), where permitted, change the exterior style, or create a completely custom design, we can help you explore your options.
If you already have architectural plans, we can also review them and provide a construction bid. In fact, 100% of our customers who have chosen one of our model plans have modified it in some way.
How long does it take to build a custom home in Pasco County?
Covenant Homes’ typical construction timeline is approximately 10-12 months from groundbreaking. Actual timing depends on the home design, property conditions, and any specialized construction needs. Design, engineering, permitting, and other preconstruction work take place before groundbreaking and vary by project.
Before construction begins, homeowners should typically allow an additional three to six months for design, engineering, and permitting. This preconstruction period is separate from the construction timeline and should be included when planning your overall schedule.
What is your process?
Our home-building process is simple.
Step 1: Book an initial consultation with our custom building experts
Step 2: Select your base
Step 3: Work with your home consultant to customize the design
Step 4: Select your finishes and fixtures
Step 5: Build your custom home