Coastal Home Builder

What is a Coastal Home?

Building a custom coastal home in Florida offers a unique opportunity to create a residence that embraces the natural beauty and lifestyle of the coastline. With pristine beachfront or waterfront locations, homeowners can design their dream home tailored to their needs, from open-concept layouts to expansive windows that capture stunning water views. Living by the water provides a serene and luxurious atmosphere, ideal for enjoying sunny days, gentle breezes, and breathtaking sunsets from your private oasis.

Florida’s coastal locations provide endless possibilities for customizing a home that balances luxury and functionality. Whether on the beachfront, waterfront, or lakefront, custom coastal homes in Florida allow homeowners to infuse their personal style while taking full advantage of the area’s natural charm. From hurricane-resistant materials to seamless indoor-outdoor living spaces, every detail of a custom home can be crafted to ensure it reflects both the environment and the owner’s vision.

At Covenant Homes, we understand that building a custom coastal, beachfront or waterfront home on your land is a complex and sometimes challenging journey. We’re here to ensure that the build process is smooth, enjoyable, and results in the home of your dreams. From initial consultation to final inspection, our experienced team of coastal home builders is dedicated to guiding you every step of the way.

Key Considerations for a Coastal Home

When evaluating a site for your custom coastal home, there are some key factors to consider to make sure you’re choosing the perfect spot for your dream home.

Understanding Flood Zones

Coastal Zones Explained

AE Zone: The AE zone is typically found in areas that are subject to flooding during a 100-year flood event, which has a 1% chance of occurring in any given year. Buildings in this zone are required to have their lowest floor elevated to at least one foot above the Base Flood Elevation (BFE). This helps minimize flood damage while ensuring compliance with local building codes and insurance requirements. Sometimes flood compensation requirements are involved so a civil engineer should be consulted to determine the feasibility of these requirements.
V Zone: The V zone, or Velocity zone, is located in areas where wave action can cause significant flooding and erosion during storms. Structures in this zone must be elevated to a height that is at least one foot above the BFE, and they must be supported by pilings, columns, oversized footers, and breakaway walls. This design is crucial to withstand the forces of moving water and reduce the risk of structural damage.
Coastal A Zone: The Coastal A zone is an intermediate area between the AE and V zones, where wave action is less severe but still poses a flood risk. Structures in this zone are also required to be elevated above the BFE, though the exact height requirements can vary based on local regulations. The building requirements for Coastal A zones are very similar to those required in VE zones.
Conclusion: Understanding these zones is essential for coastal home building. At Covenant Homes, we are committed to guiding our clients through the complexities of coastal construction to ensure that their homes are safe, resilient, and tailored to their needs.

Soil Composition

Water-adjacent properties often have varying soil compositions, such as sand, silt, clay, and organic material, which can significantly impact the stability and suitability for construction. A geotechnical report provides a detailed analysis of the soil composition. This report is required when the property is in a coastal flood zone as it has an effect on the design and cost to build.

Environmental Considerations

Assess any environmental restrictions or protected areas, such as wetlands, that may impact construction.

Custom Foundation Solutions

Building near or on the water may require specialized foundation techniques like pilings, piers, or deep foundations. The geotechnical report provides essential data to design these foundations correctly.

Scroll down to our gallery of custom coastal home to see homes our team has built.

The Custom Coastal Home Build Process

Building your dream waterfront, lakefront or beachfront home on your land doesn’t have to be overwhelming. With our expert team by your side, we’ll turn what might seem like a complex journey into a smooth and enjoyable process, where your vision comes to life. Read through the steps of the custom coastal home build process below.

Personalized Consultation

Our build process begins by understanding your vision, needs, and preferences. Our design team will work closely with you to create a customized home design that reflects your unique style and maximizes the beauty and functionality of your waterfront property.

Expertise in Coastal Construction

Building a home on the water comes with its own set of challenges and requirements. Our extensive experience in coastal construction means we are well-versed in local regulations, environmental considerations, and the best practices for creating enduring and beautiful waterfront homes.

Comprehensive Site Evaluation

Our team conducts thorough site evaluations, including a soil analysis and flood risk assessment, to ensure your land is suitable for construction. This helps our team design a foundation and structure that will stand the test of time. A geotechnical report is required for properties in a flood hazard areas to determine the existing conditions underground for the purposes of evaluating potential costs.

Navigating Permits and Regulations

Navigating the coastal home permitting process can be complex, especially for waterfront, lakefront or beachfront properties. Our team handles all necessary permits and approvals, including environmental permits and floodplain development permits, ensuring your project complies with local and federal regulations.

Custom Coastal Homes Gallery

Browse through our stunning gallery of custom-built coastal homes, where Florida’s breathtaking beauty meets expert craftsmanship to create the perfect waterside oasis tailored just for you.

waterfront home in Aripeka, Florida by Covenant Homes

Our Coastal Floorplans

The Octavia – Farmhouse Floorplan

1,756 ft²

The Octavia – Coastal Floorplan

1,756 ft²

The Deborah Lynn Floorplan

1,802 ft²

The Octavia – Modern Floorplan

1,756 ft²

Octavia floor plan - custom waterfront home

The Octavia Floorplan

1,756 ft²

Modern Coastal Home Floor Plan | Brittany Marie

The Brittany Marie Floorplan

3.5

3,109 ft²

Thrasher Floorplan

1,402 ft²

VanEldik Floorplan

2.5

2,540 ft²

Staude Floorplan

2.5

2,044 ft²

Barisas Floorplan

1,680 ft²

Antonik Floorplan

1,686 ft²

Savannah Floorplan

1,011 ft²

Our Custom Home Process

Pre-Approval

Lot Assessment

Home Selection

Style

Budget

Build

Learn More

Coastal Home Tips & More

how to build a coastal custom home in florida

Navigating the Coastal Building Codes: What You Need to Know for Your Custom Home in Florida

Jenni Mullins | Coastal, How To | No Comments

Florida offers 825 miles of sandy beaches and sparkling white sand. It’s no surprise that many people are eager to build new homes on the waterfront…

how to decorate a custom coastal home in florida

How to Decorate a Coastal Home

Jenni Mullins | Coastal, How To | No Comments

If you have a beachfront, waterfront or coastal home, you may be interested in decorating it in a “coastal style,” but not sure where to start.…

13 Tips for Designing a Coastal-Inspired Custom Home in Florida

Jenni Mullins | Coastal, Tips | No Comments

Even if you don't live within sight of the ocean or the Gulf, you can enjoy the ambiance of coastal living when you decorate your home…

Turn Your Dream Home into a Reality

Pray. Design. Build.

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Client Testimonials

Immerse yourself in the stories of those who entrusted us to build their custom dream home.

“I had a fantastic experience with Covenant Homes. The final product is far beyond my expectations - beautifully built home. It looks like a custom home!”
Jodi Leisure

“Covenant Homes built our new home and we couldn’t be happier! They were with us every step of the way. Their professionalism, responsiveness to questions, along with constant updates of our job, were wonderful.”
Bill Brennan

“We have been in our custom Covenant Home for 2 years In Clearwater. We’ve had a few issues come up and they fixed them promptly at no cost to us. They stand behind their work! I would build with them again. They are a class act. Thank you!”
Darrell Lakey

“We are big fans of Covenant Homes and very thankful to have them as our builder. They are great people and would absolutely build with them again. Thank you to Covenant Homes!”
George M

“Covenant Homes recently built my family an AMAZING home in the city of Dunedin and I can’t say enough about the actual experience!”
Clifford Marcus

Interested In Working With Us? Get Started Now!

Google Rating

4.8

Based on 35 reviews

Covenant Homes

4.8

review us on See all reviews

carlo benedetti

1716236579

Nothing but absolute quality work provided with absolute attention to detail! Highly recommend this company to everyone.

Ryan S

1706752260

We recently completed a perfect home in Palm Harbor FL. Dean W. Dean B. David W. Christina, and Amaryllis have been wonderful to work with. Their work is high quality and we could not be more happy. We strongly suggest Covenant for anyone looking to build a home in the Tampa Bay or surrounding areas. We will ONLY build with Covenant Homes. My wife and I could not be more grateful for what they have done for our family.

AMillionin1

1699014288

We love our custom home. We are so glad we chose Covenant to build our home. With all the issues with contractors and workmanship.these days it was a breath of fresh air to not have to micromanage every aspect of the build. We were able to take one of their existing plans and create our own floorplan that suited our needs. Our only regret was not being able to have Dean as our project manager. Just as an example of how vested this company is on a holiday weekend my other half accidently drilled through a water pipe in the wall. Dean immediately sent the plumber out to help and coordinated the fix with drywall and painters.

Jodi Leisure

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I had a fantastic experience with Covenant Homes. The final product is far beyond my expectations - beautifully built home. It looks like a custom home! The Covenant team was always very professional and courteous - and most importantly, the team communicated exceedingly well. Unexpected issues arise in every construction project, however, Covenant’s communication and efforts to minimize delays while maximizing quality was outstanding. They were always honest with me and helped me keep my expectations realistic. I will absolutely use this builder again - 5 out of 5 stars all day long!

Darrell Lakey

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We have been in our custom Covenant Home for 2 years In Clearwater. We’ve had a few issues come up and they fixed them promptly at no cost to us. They stand behind their work! I would build with them again. They are a class act.Thank you !

m C

1655483127

Covenant Homes recently built my family an AMAZING home in the city of Dunedin and I can’t say enough about the actual experience!Like many families, we struggled with the very tough real estate market in Tampa Bay. We had a lengthy discussion with our realtor to see if building was an option and determined that it would be a good fit. During our research process, we stumbled across Covenant Homes and set up our fourth meeting with a builder to see if they would be able to help us get exactly what we wanted. We quickly realized that we were exactly where we needed to be, and we no longer had to settle on homes that didn’t 100% fit our needs.Covenant was able to articulate the entire process from start to finish and even assisted us with finding a perfect lot in the location we desired. They’re a family-owned business and provided a white glove treatment that was unmatched. While most builders will tell you to buy everything so they can make more money, Covenant was able to let us know where spending more money made sense based on our needs and what the benefits were, while steering us away from upgrades that weren’t necessary as many of their standard options are more than sufficient.The amazing recommendations and their prompt responsiveness really took an enormous amount of stress of our backs. I was able to pick up the phone at any time with any questions and John & Dean were able to get me a quick answer and treated me with nothing but respect. Even after we moved in, they’re still checking to make sure we’re happy and if we need anything. I’d highly recommend taking a meeting with Covenant if you’re looking at building as an option and have recommended them to friends and family.Thanks again to the entire Covenant team as you were a joy to work with!

Surfinturfer

1635372139

This was our forth new-construction home and our first with Covenant Homes. This builder took us completely by surprise in terms of customer service, quality, responsiveness, and downright honesty. They were up front from the start regarding timelines and expectations throughout the build process. Dean and every person in the various crews were professional, courteous and focus on you in the moment. They listen. There was a continued, genuine interest in providing top-quality work, while assuring the details and modifications to the house were installed exactly as we wanted. We would certainly build with Covenant Homes again and give our highest recommendation.

Bill Brennan

1635071219

The team at Covenant Homes built our new home and we couldn’t be happier! They were with us every day, every step of the way. Their professionalism, responsiveness to questions, along with constant updates of our job, were wonderful. Great people, honest, forthright and caring, they’re the best! If you’re building, do yourself a favor, use Covenant.

Gabriela Brandl

1611097791

Charles Fite

1609782273

Awesome

Darrell Lakey

1603975815

Covenant Homes just completed our dream home in Clearwater. Dean and Dean were the best. Very professional and answered all our questions and built a beautiful home we are very proud of. Please call them and talk to Dean about your dream home. They will fulfill your needs and wants in a timely and caring manner. They all are committed to pleasing you and delivering and superior home. Thanks guys!!

Mela Santa

1579560684

My husband and I just moved into our new home about a month ago. I find it difficult to express in words just how happy we are with Covenant homes. They have been upright from the beginning all the way thru. I give the glory to the Lord as how He has used Dean and all his team to bless us thru this time. They’re work is and has been done with excellence from beginning to end and have made this a wonderful experience for us. Thank you Covenant homes and May the Lord increase you according to His will!

Katrina Rains

1579047220

We had a great experience with Covenant Homes! This was the first house that my husband and I have built so going into the process, we didn't know what to expect and we had some worries. Covenant made the experience easy and they were there to help with anything we needed. Our home turned out great and we have gotten many compliments. Even after our home was completed, Covenant was there (and still is) to help with any issues that arise. We enjoyed working closely with Dean and John and would recommend Covenant Homes to anyone looking to build a new, beautiful home!

William Faulkner

1577482426

We moved into our new home in October and truly have nothing but positive feedback for Covenant Homes! From day one of construction through the final stages AND small issues after occupancy, I can honestly say we HIGHLY RECOMMEND this company!

Ryanjess Jonesoubre

1576528199

The entire process was smooth and lovely . Dean and his team are a true delight to work with and bring a sense of family to a seemingly stressful process .

Lisa Henderson Harris

1575655215

Everyone was so helpful and responsive throughout the process! From the beginning Christina was friendly & informative and helped with every facet of the contract. From there, Dean was a pleasure to work with on the details of the buyer's needs & preferences to ensure that the house turned out exactly as desired! Paul is very happy in his beautiful new home! Thank you to the Covenant Team! Lisa Henderson, Realtor

Steve Baker

1571579939

When we decided to build a home we heard many stories from people that made us nervous. You know I’m sure. We met with 3 builders including Covenant. It was an easy decision to go with Covenant. Both Dean and David met with us several times before we started the build and through the whole process they were always available to answer even the most mundane questions with grace.No build is without some issues and Covenant addressed issues quickly every time. We made a few changes along the way and I cringed some thinking there might be a charge. Covenant made changes for us without question when they were reasonable.We are extremely happy with our home built by Covenant! If we were ever to build another home I would only work with Covenant… But we are pretty happy with this one so I don’t think it will be for a while. 😊Steve and Ildiko Baker

Greg Gotling

1568745773

Covenant completed our beautiful home in July 2018. They cared about providing us with a product that equaled what they would provide for their own family. Dean responded quickly and fairly throughout the process to all our questions and concerns as well as supporting us after we moved in. Since July 2018 we have purchased another home from Covenant and have just referred a couple to them to build the couple their home. That is the true testimonial of the trust and confidence we have in Covenant.

Gene Ellis

1562624274

Covenant Homes built a guest house and gazebo for us in Clearwater. The architecture and style blend in perfectly with our main house. Our neighbors and even passersby frequently stop to admire and then to comment favorably on both the structures and the landscaping. We are now relaxing and enjoying our new additions. Thank you, Dean, and especially John!

Steve Jarae

1562167700

The Team at Covenant Homes recently finished building our dream home. We just love it. Building a new home on an undeveloped lot always comes with delays and "speed bumps", it is how these challenges are dealt with that separate a business from the rest of the pack. The Covenant Home Team, was always thoughtful, caring and truly wanted us to be happy with our new home. I strongly recommend Covenant Homes and would certainly use them again.

Lynn Reduzzi

1561746458

We had our home built in 2015 and working with Covenant and Dean was a very pleasant experience. One of the thing that stood out about this builder for example there was a wall in one of the bedrooms that did not have equal space on both sides of the window and Dean had this corrected even though the plans where like this when he saw it he said it looked wrong and wanted the wall moved to match the other side. This told me that he cared about the quality and look of the house that he was building. If I build again it will be with Covenant Homes.

Alan Harl

1561383570

This builder does excellent work and quality turn key home. I highly recommend this builder for a Florida home

Richard Cantelmo

1561139303

We began our process of have a new home built in late 2016 with the purchase of some acreage in East Pasco County. The realtor who helped us with the land purchase recommended Covenant Homes to build our home.. We met with David and Dean Williams a number of times in those early days. They helped in many ways to insure the property was within County regulations and and fit our desired home plan. Dean and David were always available for questions and good advise. We have built a few homes in the past. This home took a little over a year to build and everything went very smooth. And a major question most home buyers worry about, does Covenant Homes take care of issues after the Certificate of Occupancy, and the answer is a resounding, yes! All issue were minor and resolved immediately. We love our home and would recommend Covenant Homes without hesitation to everyone.

René Johnson

1561123671

I have been living in my Covenant Home for a year and a half. I absolutely love it! It was the first time I built a home and many people warned me about the headaches building brings. Not so with Covenant! Dean Williams and his entire team are top notch professionals and walked me through every step. Even last minute changes that I made were never a problem. I highly recommend Covenant Homes!

Min Stevenson

1561115142

My husband and I never built a home before, nor own one, so it was a new and unfamiliar experience for both of us. We were in great hands with Covenant Homes. Dean was so patient and helpful in guiding us through the whole build process, design, fixtures, etc. You truly get honesty, quality, and professionalism when you work with Covenant Homes!

Kate Burton

1561086156

A year ago, Covenant Homes built my retirement home in lovely Dunedin. They were exceptional to work with, guiding me through the process and many decisions while assisting me in realizing my 'vision'. Dean exemplifies professionalism and his integrity and kindness are unmatched. Thank you all for the experience and my beautiful home!

Ryan Jones

1561055412

My wife and I used Covenant Homes to build our first house and it was a great experience. Being new to the whole process we had many questions and learning curves which everyone at Covenant Homes helped with. Dean and the entire crew are awesome to work with.

Tobey Burwick

1561053973

Could not be happier with the house Covenant Homes built for my husband and me in Dunedin, FL. Fabulous to work with and followed through beginning to end and way past the occupancy. We had builders in the past and were wary but the Williams family and those working for them are as ethical and they come. And, equally as nice!

Tom Marth

1560827361

After interviewing 3 different home builders in our area, we chose Covenant Homes. They gave us a very competitive bid. We liked that they were a family owned and operated company. We were not disappointed with our choice. We found them to be very flexible and accommodating to work with. They always strived to satisfy our requests. Their workmanship was high quality and they stand behind their work. They were always fair and honest. We are very pleased with the quality of our new home. We would not hesitate to recommend Covenant to build your next home.Tom and Pam Marth

Adam Taylor

1532359769

I have had the honor of working with Christina and Dean on several occasions and have found them to be exceptionally nice people. I've photographed several of the homes that they've built and can honestly say that I'm very impressed with the built quality and design of every home I've been in! When I'm ready to have a home built, I will definitely be asking Covenant Homes to build it for me! Very highly recommended!

Saquoia Marie

1514689995

Home Sweet Home 🏡

Billy Mckinney

1498778468

dpot 59

1592785339

Roberto Diaz

1539245635

Coastal Home Builder

What is a Coastal Home?

Key Considerations for a Coastal Home

Understanding Flood Zones

Soil Composition

Environmental Considerations

Custom Foundation Solutions

The Custom Coastal Home Build Process

Personalized Consultation

Expertise in Coastal Construction

Comprehensive Site Evaluation

Navigating Permits and Regulations

Custom Coastal Homes Gallery

Our Coastal Floorplans

Our Custom Home Process

Pre-Approval

Lot Assessment

Home Selection

Style

Budget

Build

Coastal Home Tips & More

Navigating the Coastal Building Codes: What You Need to Know for Your Custom Home in Florida

How to Decorate a Coastal Home

13 Tips for Designing a Coastal-Inspired Custom Home in Florida

Turn Your Dream Home into a Reality

Pray. Design. Build.

Client Testimonials

Links

Florida

North Georgia