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850 Building Group is now BUILD127! Learn More →
850 Building Group is now BUILD127!
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Custom Coastal Homes
Envision your dream home—whether it's a personal sanctuary, an investment property, or a captivating vacation getaway—and let our expert team bring it to life. With a deep understanding of the coastal charm of Santa Rosa Beach, FL and the allure of this Emerald Coast paradise, we specialize in crafting exceptional homes that blend modern luxury with natural beauty.
Experience the joy of owning a custom home that captivates the senses and creates cherished memories. We can't wait to be a part of your homebuilding journey as we craft your custom home that reflects your aspirations and stirs your soul.
Custom Coastal Homes
Envision your dream home—whether it's a personal sanctuary, an investment property, or a captivating vacation getaway—and let our expert team bring it to life. With a deep understanding of the coastal charm of Santa Rosa Beach, FL and the allure of this Emerald Coast paradise, we specialize in crafting exceptional homes that blend modern luxury with natural beauty.
Experience the joy of owning a custom home that captivates the senses and creates cherished memories. We can't wait to be a part of your homebuilding journey as we craft your custom home that reflects your aspirations and stirs your soul.
how much does it cost?
Custom Home Building Prices
Of course, it's virtually impossible to list the exact cost of a custom home in Santa Rosa Beach, because it depends on dozens of unknown factors, such as:
- Designs and finishes
- Local labor
- Material costs
- Location-specific hurdles
- Government requirements
- Environmental considerations
- And more!
The below pricing will give you an idea of a starting budget, based on the 3 of the types of homes typically built along 30A and in Santa Rosa Beach.
how much does it cost?
Custom Home Building Prices
Of course, it's virtually impossible to list the exact cost of a custom home in Santa Rosa Beach, because it depends on dozens of unknown factors. Such as: designs and finishes, local labor/material costs, location-specific hurdles, government requirements, environmental considerations and more.
The below pricing will give you an idea of a starting budget, based on the 3 of the types of homes typically built along 30A and in Santa Rosa Beach.
traditional
custom home*
Cottage-style
custom home*
luxury
beach home*
*Price is per square foot, heated and cooled. The prices provided are average estimates based on the dozens of homes we've built in the area over the years and are subject to change based on a number of factors. To get a more accurate quote for your custom home, simply fill out the form below.
Portfolio
Swipe to see some of our favorite custom homebuilding projects.
Seclusion Bay, Custom Build
Seagrove, Spec Home
Panama City Beach, Custom Build
Seagrove, Custom Build
Bay Home, Custom Build
Seagrove, Custom Build
GET IN TOUCH
Let's See if We're a Good Fit
Fill out the short form so we can learn a bit more about your project before we reach out to you to discuss more.
GET IN TOUCH
Let's See if We're a Good Fit
Fill out the short form so we can learn a bit more about your project before we reach out to you to discuss more.
what to expect
What Our Clients Are Saying
Marcia and Bob Pell
"Tate just lead the way. He was always calm and spent a lot of time explaining to us our options. His workers that came were always respectful."
Ryan and Cayla Anderson
"Tate followed through on everything he said he was gonna do. If he told us he was gonna do 'this at this time,' that’s when he did it. If there was a change in the process or something was running a little bit behind, he’d text us...The communication—which was amazing to us and so important—he had the whole time."
Ed and Beth Deluzain
"We did not have a day’s concern about our contractor. And that has been the greatest blessing. We were confident the first day we met Tate, that we had somebody that was absolutely competent and absolutely honest."
Remodeling/Structural Repairs
We have the experience and expertise to handle all types of remodeling projects, from painting jobs to full kitchen and bath renovations, window and door replacements, siding replacements, and even whole house additions. Along the coast, we understand the potential problems of moisture intrusion and have also dealt with a wide range of structural issues, including leaking balconies, porches, roofs, stucco, windows, and doors.
FAQs
Frequently Asked Questions
What areas do you build in?
We keep all our work very close to home, working these local areas: all of South Walton, Santa Rosa Beach, 30A area, Dune Allen, Blue Mountain Beach, Gulf Place, Grayton Beach, Watercolor, Seaside, Seagrove Beach, Rosemary Beach, Seacrest, Inlet Beach.
Which comes first: builder, architect or lot?
A BUILDER first can really save your bacon.
While the answer may seem obvious—lot first, then plans, then builder—it’s important to know the right order to avoid problems from the beginning.
Don’t get the cart before the horse—yes, before you build you do need a lot and a plan — but you really need to get a BUILDER before both.
Settle on a BUILDER FIRST—one that you are comfortable with, one you can trust to really hear you, one that will tell you all the hard truth.
A good builder can help you steer clear of all types of plan or lot issues that could cause major headaches or even prevent you building what you truly want.
Here’s a short list of items they can help with:
- Maintaining a desired budget - the wrong plan can bust your budget wide open
- Provide a preliminary estimate - knowing the local building costs can get you headed in the right direction
- Determine restrictions or limitations of a potential lot - additional costs or requirements on lots can mean big money
- Navigate county planning and building codes - this can greatly affect what you can build and the time frame
If I already own a lot, what’s the next step?
Start by choosing your builder—and ideally, do that sooner rather than later.
The right builder does much more than just construct the home. They help guide the entire process from the beginning, including plan development, budgeting, engineering, materials, and finish selections. Getting your builder involved early can help avoid costly surprises, design issues, delays, and unnecessary revisions down the road.
How should I allocate my budget?
Here's a good way to start. Divided up into three columns of a sheet of paper. Get everything down you can think of in one of the columns and then you can move them around if you see a pretty complete list.
***NOTE — As you work through your design & finishes, you’ll likely move some of these items around some as you see how they affect budget & overall vision.
What are some of the qualities I should look for when selecting a builder?
A Special Fit & Feel
- You're looking at nearly getting married for 1-3 years for the entire planning and building process and spending a small fortune with this Builder. So you want:
- great confidence in their building expertise & operation
- tremendous trust in their character & values
- certainty in their communication & transparency
- a comfort level of a close friend
- Do they typically build homes similar to the size, type, budget & timeframe you are looking for? If so where, when & can you share the info about some of those projects
- You want to get a sense that they are in it for YOU & not themselves? Are you on the same page when it comes to priorities? Get a good history and bio about how they started, and their whole story as a Builder.
- Can he look at construction, design, finishes, quality, speed & cost and give me good options to consider?
Values, Character, Reputation
- It's ok to ask about this point blank
- You must try hard to discover what really makes this Builder tick to see if you are a good fit & this Builder should be doing the same with you
- Can you trust him to look out for your complete interest, no matter what?
- Do they have written values?
- General references from the Builder can be of little value since everyone can give you a few good ones from the past
- I would ask for any Clients you are CURRENTLY building for & talk directly to them and maybe some that just finished
- Ask lots of good questions of these clients, if something doesn't make sense or add up, ask for more details, take NOTES so you can refer to them later, ask follow up questions, check for consistency
- Check FL state license for any complaints
- Background check for lawsuits
- Ask them if they have ever been sued & if so why?
- Have they ever not finished the project for a client and if so, why?
- Meet them in person after a good long phone call
- Do they look at you & really listen to you?
- Do they ask good questions & ask good follow up questions? You can tell a lot about someone’s character by the type of questions they ask you & even more by their deeper questions to your responses — more why questions to get to your reasons & motives.
- Examine their contract to see if it is overly one sided
- Does it cover everything & look professionally done?
- Ask a trusted friend, neighbor, realtor who knows the Builder
- Go to some of his job sites & look around & talk to some subs
- Might be surprised at what you can learn by asking enough of the right people
- What type of Builder are they? You're looking for a true custom builder. Ask the Builder what are his pet peeves, his priorities
- You want to learn so much about this builder, and like what you hear that you're almost ready to get engaged, BUT even if you love what you hear, you or your spouse you should do it all again, with some of the same questions, and some new ones
- You should let the initial emotions settle down an interview again to determine if it all seems as good and real
- You'd be surprised how much you'll learn this way, and either get good confirmation, or some signs that you should run away
Operations
- How many projects do they keep going at the same time?
- How many people work for you & how would you handle a project like mine?
- How long have your subs, vendors, and employees worked with you?
- How do you keep your team aligned and informed?
- How do you keep up to date in the industry?
- What are you doing differently now compared to a few years ago?
- What are a few of your building practices you've changed recently?
- Do you use consistent & specialized crews?
- How do you find new subs?
- What's your warranty?
Quality
- how do they deal with water & why is that important? — it's the biggest potential problem with any house
- what type of sheathing & weather barrier do they use?
- is the job site organized & clean?
- what's your water proofing & window install strategy?
- can you explain why you build a better home than other builders?
- craftsmanship can vary widely within all trades & even among Builders
- one persons quality is another person's junk
- knowledge, experience & skills range wide and so does attitude, effort & smarts
- it takes years of relevant experience, a discerning eye & a caring commitment to execute a complicated custom build project
Should I use a Fixed-Price or Cost-Plus Contract?
Fixed-Price
This is a contract in which the plans, specs, all materials and finishes are fully determined (fixed) before you start construction on your home.
- Pro - the price you pay for your home is pre-determined or fixed whether or not the price of material or labor goes up or down
- Pro - the builder assumes full responsibility for all risk associated with building your home including price fluctuations
- Con - the price is higher for the builder taking all that risk
- Con - changes to the plans and specs can be costly to the owner
- Con - timeframe is usually longer—owner must chose all material and finishes prior to start
Who should choose fixed-price? Owners willing to pay a premium for locking in the total cost of the project and are not likely to make changes—mostly used for pre-sale, pre-set plans with limited finish choices.
Cost-Plus
This is a contract that takes all the costs of the home and adds either a percentage or a flat fee for the builders overhead and management fee.
- Pro - good for larger custom homes with high finish levels and likely changes
- Pro - owners know their actual invoiced costs on an ongoing regular basis—everything is 100% transparent - no need to worry about builder markups or expensive change orders
- Pro - your builder will charge a smaller fee since he assumes less risk
- Pro - your costs are largely determined by your choices of detail, material and finishes
- Pro - owner and builder are on the same team
- Pro - the project can start sooner, before every detail has been decided - owner make decisions throughout the construction process
- Pro - both look for solutions in the best interest of the owner
- Con- you won’t know your total final cost until your project is finished and a full accounting is done
- Con - you assume the risk of price fluctuations for material and labor
Who should choose cost-plus? Owners who are comfortable knowing their costs are determined mostly by their choices and have a trustworthy builder—almost always used for larger custom homes.
The builder’s costs are the same with both types of contracts, however, the price the owner pays will differ because of the risk associated with each type of contract.
Will we go over budget?
If you’re like most people, yes, you will probably go over budget. I’ve found that it generally doesn’t matter how high the initial budget, most projects will go over budget—most clients make changes and additions—most projects just become more than initially expected.
Here are just a few reasons:
- Changes in labor costs - due to availability and current labor demand
- Changes in material costs - some building material costs fluctuate like commodity prices—other suppliers increase prices annually or unexpectedly
- Building site conditions - site prep surprises, weather conditions, house elevation changes
- Plan changes - clients often make adjustments after they walk thru the house & come up with “new” ideas
- Spec changes - clients always change the finishes—more tile, cabinets, trim, pool, etc.
- Allowance overages - upgrades are so hard to pass up—flooring, appliances, lights, etc.
Building cost is almost always an important part of a successful project. We like to work closely and early on in the process with our clients to establish a realistic workable budget and clearly define the costs for every single line item before construction starts. This will “minimize” your budget changes. Inevitably, some changes are unavoidable, others make good sense and a few indulgences are hard to pass up, but they all lead to higher costs than the initial budget. My suggestion is to plan for that contingency by making sure you have 5-10% more funds available and staying on top of the costs every week.
Why do I need to make sure a contractor has workers compensation and liability insurance?
- If you don’t, you could be exposed to major risk that your homeowners policy probably will not cover. In FL, every licensed contractor is required to maintain a minimal GL policy in order to pull a building permit, BUT no workers comp or exemption is required for a permit in Walton County, HOWEVER, the State of FL Div of Workers Comp DOES require every worker on a construction site have either (1) an active workers comp policy that covers all workers for that business OR (2) an exemption for workers comp issued by the Div (but this can only cover the owner(s) of that company—max of three).
- You should make very sure your licensed general contractor has adequate General Liability insurance. They can easily have their insurance company email you a GL Insurance Certificate with you the owner as the Certificate Holder—it looks like this GL Insurance Certificate. This way if any damage occurs to your home or a neighbors property during construction, you’re covered.
- Also, in FL all workers on construction job sites are required to be covered under a Workers Comp Policy OR be Exempt as a business owner—here is what an exemption looks like. The FL Div of Workers Comp link is here.
Do you guarantee your work?
Yes, we have a 1-year warranty on workmanship and a 10-year structural warranty. We make every effort to conform our workmanship to generally accepted construction practices like those set forth in the NAHB Residential Construction Performance Guidelines.
Will you provide me with a schedule?
On most projects, YES we can provide an estimated schedule early in the process. Since we communicate on a constant basis, you can always stay up-to-date on the progress and expected completion.
Lic # CBC-1254315
BUILD127, LLC © 2026
Contact Info
Build127, LLC
551 Serenoa Rd
Unit A
Santa Rosa Beach, FL 32459
Phone: (850) 270-8904
Email: Tate@build127.com
Build127, LLC
551 Serenoa Rd
Unit A
Santa Rosa Beach, FL 32459
Phone: (850) 270-8904
Email: Tate@Build127.com
Lic # CBC-1254315
Build127, LLC © 2026