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Buying
Should You Buy a Home in a Subdivision?
4 min read April 26, 2019

You want to know you’re making the best decision before you buy a new home in a subdivision. Unfortunately, the right choice is likely to differ depending on who you ask, as personal preference plays a large part in the home-buying process. It isn’t as simple as seeking the advice of another person.

Some homeowners would immediately recommend a subdivision without a second thought, while others would warn against it. Whether they’ve founded their beliefs on experience or anecdotes, it’s all too easy to get lost in what people think. In truth, your own opinion should take priority.

A little research can go a long way in helping you make your decision. As you answer the four questions below, you’ll begin to get a better idea of what life is like in a subdivision. Consider the following:
1. How Do You Feel About an HOA?

A homeowners association, or HOA, is a group that oversees a number of services in its defined area, such as maintenance, trash pickup and snow removal. It establishes and enforces rules for the community, acting with support from fees that you, the homeowner, will pay every month.

These fees generally range from $100 to $600 a month. In addition to these costs, you’ll also have to conform to the regulations the homeowners association has set, or risk a dispute with the board. Despite the less attractive aspects of an HOA, they often have serious benefits for neighborhoods.

Many homeowners enjoy the services their HOA provides, which go above and beyond what you’d get from a town or city. The subsequent boost to property value is appealing as well. More than this, you have the option to run for a board or committee position if you find the current rules restrictive or unfair.

2. How Important Is Your Privacy?

You’ll find many differences between a subdivision and a standard neighborhood. Space can sometimes be an issue, as builders tend to leave very little room between homes in a typical development. This often results in a lack of privacy, which could prove problematic if you attach a lot of value to your personal space.

On the other hand, many homeowners seek out subdivisions because they invite closer relationships with neighbors. There’s a reason these communities have been popular with families since their conception. If you’re raising a family of your own, you might be grateful their children have the opportunity to meet neighbors and make friends.

If you prefer the privacy of a fenced-in yard, then a subdivision might feel invasive. But if you’re excited to fire up the grill for neighborhood barbecues, then these developments might provide the perfect level of privacy for your needs.
3. Do You Want a Newly Built Home?

While this question may seem somewhat confusing at first, it makes sense when you give it thought. Some homebuyers don’t necessarily want a newer home when they have alternatives. The cookie-cutter style of a subdivision isn’t appealing to everyone.

Subdivisions usually feature either newly constructed homes for purchase or options to build your own house. This can be great for homeowners who love modern features and would prefer to avoid the stresses of old plumbing systems, roofs and foundations. On the other hand, you’ll have fewer opportunities for customization.

If you’re building your home, ask your builder for features sheets for the homes in your subdivision. Often, they will specify which home features are upgrades and provide a base price for options. If you love the stainless steel appliances in the model home, double check that they come with the new build.

If you’re buying a home, it will be much more obvious which features come with the space. But remember to ask about HOA restrictions or fees. Some subdivisions will place restrictions on vegetable gardens, storage sheds and other additions that you might have your heart set on. In this case, you might find the rules too restrictive for your lifestyle.

Lastly, you’ll also need to do some research into the home builders. While you can start with tours and conversations with neighbors, you should also search for Better Business Bureau or state attorney general complaints to confirm that the construction company has a solid reputation — and your house is in good shape.

4. What Do You Want From a Community?

As mentioned earlier, opinions on subdivisions will differ depending on who you ask. Some homeowners will recommend them, while others will tell you to search elsewhere. Ultimately, you have to think about what you want from a community and whether a subdivision supports it.

Consider some of the main points from the previous three sections. Do you find that the benefits outweigh the costs of belonging to a homeowners association? Do you want to live in an area that encourages strong connections with neighbors? Do you need the freedom to customize your home freely?

You’ll answer these questions separately, but together, they’ll provide a clear picture of what you can expect when moving to a subdivision. If you’re unhappy with that picture, you may want to take time to review your other options. That said, you might have found that a subdivision is perfect.
Living in a New Development

Now that you’ve addressed the four questions above, you’ll have the tools you need to help with this important decision. Whether you end up thriving in a newly built dream home or embracing a more independent neighborhood, you’ll be happier because you took your own preferences into account.
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Prefab Homes: Pros and Cons | Freshome.com Home Build Guide

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Prefab Homes: Pros and Cons
By Jae Curtis March 5, 2019 in Architecture / New Build

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The tiny house movement has had a positive effect on another type of residence: prefabricated homes. As millennials and empty nesters alike look for smaller scale, more affordable housing, prefab homes are getting their time in the sun. Once perceived as low quality and hard to sell, today’s prefab homes are nothing like their shoddy predecessors. In fact, you might be surprised at the stylish and well-built newest generation of prefabricated homes.

If you’re considering a no muss, no fuss prefab home as your next abode, it’s important to suss out the pros and cons. Skipping the complicated construction process and buying a pre-built or modular home on your lot can save time. Still, there are a few drawbacks to consider before you purchase prefab.

Prefabricated modern home

Prefab could give you more house for the money. Image: Usawicka/Shutterstock

Prefab Pros

A lengthy, personalized building process definitely isn’t for everyone. Prefab homes offer one of the quickest, most affordable paths to homeownership. Check out some of the best benefits of going prefab.
Lower Costs

Unlike traditional homebuilders, prefab homebuilders are able to buy materials in bulk and better predict building costs. These cost savings are then passed to you, the homeowner. Prefab homes are usually priced per square foot, so you can get a great idea of how much your home will cost based on its size. While a traditional home typically costs around $125 to $150 a square foot, it’s not uncommon to find a prefab builder offering prices closer to $75 per square foot. If you want a home without the huge mortgage, prefab might be the way to go.
Quick Build

On a tight build schedule? Prefab homes can definitely help with that. Prefab builders know how to quickly place all the parts and pieces for a tight schedule, which means you’ll get to move in much faster. The home is brought to your lot and the shell will be complete in as little as one day. Some prefab homes can be delivered with many of the main components installed (think cabinets and flooring). When compared to the 3- to 12-month timelines of traditional builds, you could be enjoying your home way faster if you choose prefab.
Better Sustainability

Let’s face it: a traditionally built home isn’t exactly kind to the environment. Materials are brought to your site each day, resulting in emissions. At the same time, materials go to waste and end up in landfills. If sustainability and being environmentally friendly are important to you, consider a prefab home instead. A prefab builder knows exactly how much material to use and, what’s more, extra materials can simply be used on another project. The home is shipped once, saving on gas and reducing emissions. Some prefab manufacturers also create homes that are more energy efficient, using solar panels and more efficient windows. This helps you save on utilities in the long run, which could seriously increase your enjoyment of the home.

Prefabricated cement homes

Not every neighborhood is open to prefab homes. Image: Thanate Rooprasert/Shutterstock

Prefab Cons

It’s not all sunshine and sustainability when it comes to premanufactured homes. Before you sign on the dotted line, make sure you can live with these drawbacks.
More Logistics

Prefab homes can mean more work for you, the homeowner. Unlike traditional construction where the builder or contractor takes care of logistics, you might be in charge of more than you anticipated. Finding a lot, checking zoning, organizing utility hookups and other details are the homeowner’s responsibility. The prefab builder simply manufactures the home and has it delivered and installed. If you’re not comfortable overseeing the details, this could be difficult.
Land and Zoning

Not all cities are kind to prefabricated homes. Land covenants and zoning issues could limit where you place your home. Some cities have codes for the size of homes, while others might have codes that limit your building materials and finishes. If your city only allows homes over 2,000 square feet and built with 80 percent natural materials, you might be out of luck. Thoroughly research all city codes before you purchase a lot for a prefab home.
Less Customization

If you’ve been dreaming of a custom-built home for your family, you should know that going prefab limits your choices. Sure, you might be able to pick out your favorite tile and flooring, but some materials and the general layout and size of the home are limited. Prefab builders keep costs low by building the same few homes over and over again. Cosmetic customization is usually okay, but structural and size choices are pretty much made for you. You’ll choose your home from the builder’s catalog and add your cosmetic stamp – but that’s it. If you’d rather start from scratch or require a lot of customization, it’s best to choose a traditional builder.

Thinking outside of the usual is helping more and more people attain homeownership. But before you opt for a less-common method like prefab homes, make sure you consider every angle. Once you decide you can live with the few drawbacks, you could be on your way to an affordable home you love.

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