Palm Harbor, Florida, is a charming coastal community that offers the perfect blend of small-town charm and modern conveniences, making it an ideal place to build a custom home.
Build a Custom Home in Palm Harbor
With its close proximity to stunning Gulf beaches, top-rated schools, and scenic parks like Wall Springs Park, outdoor enthusiasts and families alike will love the lifestyle it provides. The area boasts a vibrant dining scene, local boutiques, and easy access to nearby Tarpon Springs and Clearwater for even more entertainment options.
The area is also well-known for championship golfing at Innisbrook Resort & Golf Club. Innisbrook’s collection of four championship golf courses is among the finest in America and is proud to host the PGA TOUR’s Valspar Championship every March.
Palm Harbor offers old-world charm with many historic buildings still standing in downtown Palm Harbor. Building a custom home here allows you to create a space tailored to your lifestyle while enjoying the beauty and tranquility of Florida’s Gulf Coast.
Covenant Homes offers 27 coastal-style floor plans with more coming soon. Take a look at a few of our customer favorites below or click on the link to browse all of the custom coastal floor plans we offer.
View our Coastal Floor Plans
View Our Floor Plans
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.
View Coastal Floorplans
Benefits of Building a Custom Home
One decision every home buyer needs to make is whether to buy an existing home or have a new one custom built. There are several advantages to working with a custom home builder. You can customize a new home to fit your needs and preferences. You get to choose the layout, number of rooms, and style.
Even though you can renovate an older home, you’re still limited to a great extent by its original size, style, and structure. With a custom home, you can also avoid many issues that may affect older homes, such as problems with plumbing, lack of waterproofing, or outdated electrical wiring.
The following reasons are what sets Covenant Homes apart from other home builders in the Palm Harbor area.
Why Choose Covenant Homes
If you’re looking for a Palm Harbor custom home builder, there are many reasons to work with Covenant Homes.
- We 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, 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 committed to the region and its people. 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.
- We work in many local communities. In addition to Palm Harbor, we can help you build a custom home in St. Petersburg, Dunedin, Clearwater, Safety Harbor, Seminole, Tarpon Springs, Madeira Beach, Indian Shores and many other communities in the Central Gulf Coast area.
For more information about custom homes in Palm Harbor and surrounding areas, contact Covenant Homes online today.
