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Home Building Lot Considerations

Some "consideration points" when selecting your lot:

  • the lot should have rear and side privacy
  • it should be situated where your lowest drainage point is above the sewer line
  • it should be situated in a low-traffic area
  • it should have good firm soil
  • it should have good drainage
  • it should not be located in a flood plain
  • its surrounding should be quiet and safe
  • it should have plenty of trees
  • it should be in an area with underground utilities
  • it should have defined boundaries that will not be disturbed
  • it should have attractive surroundings with easy access to major highways and community services
  • it should be located within good school districts
  • it should have privacy trees or room for privacy hedges and other

    see our location discussion on these points and more

Some caution points to avoid when selecting your lot:

  • the lot is located on a major thoroughfare with yellow or white lines down the middle and a speed limit over 35 mph
  • its soil is sandy or can shift or shrink
  • it has poor drainage or gullies where water collects in spots
  • its shape limits space for front, side or back yard
  • it is located near major power lines, air traffic, rail ways, radio towers, or other hazardous areas
  • it has steep slopes that make is difficult to mow or drive up on icy pathways
  • it is situated in a flood plain
  • it is situated in a declining neighborhood

    see our location discussion on these points and more

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Notes on Location (Neighborhood)

Location is a key ingredient when selecting your home. Selecting the right location can save you from a potential home devaluation due to an unfavorable event due to growth or zoning changes. Investigate the neighborhood and surrounding area before settling on a particular house.

  • Check the Schools:

    Regardless of whether or not you have children, check the quality of schools in the community. Any resale value of your home may depend on the quality of schools in your area, particularly elementary schools.

    Investigate the average class size, the facilities, and the method of transportation. Evaluate the overall quality of the public school system.

    Locate schools servicing your area. View calendars, menus, contact information, etc.:

    Compare schools:
    another listing:

  • Let's Do Some Shopping:

    Check the area for local shops, grocery stores, restaurants, and shopping centers. Can you buy a loaf of bread quickly, or must you travel long distances for basic items? Could the neighborhood sustain increased traffic to these centers if new subdivisions were developed?

    Further evaluate the quality of merchandise being sold in the stores. Quality merchandise indicate a more stable and upscale market.

    Search your local market:
    another listing:

  • Locate the Community Services:

    Locate community facilities such as police, emergency response units, parks, libraries, and hospitals. Estimate the distance of these services from your new home. What is your comfort level if a library or park is several miles from your home?

    See what's nearby:

  • Walk the Neighborhood:

    Schedule time to explore the neighborhood within a 12 block area. Pay particular attention to the neighborhood's boundaries such as a highway, park, campus, or other fixed structures. If there are any unsecured boundaries; future changes can occur in and around the neighborhood that can increase or decrease your home's value.

    Check the appraised values of the homes in the neighborhood in which you wish to buy. Surrounding homes of equal size should appraise for the same value as your home.

    Check to see if the homes in the neighborhood are increasing or decreasing in value. It is a good idea to determine the demand for homes in the neighborhood. Too many "For Sale" signs are a good indication that something is happening.

    What's it worth? Order your personal home valuation report:
    get your home price at
    view sample report: click here

    Find the value of an existing or future homes:

    Check neighborhood prices:
  • Housing Fees:

    What is the tax rate for the area? What municipal services are available and how much will they average? You may find the right home, but high taxes and municipal service fees can turn your home into a negative.

    Lookup county and city governments:

    City cost comparison:

    Are there any active neighborhood organizations working to maintain and improve the area? If you choose to move into the neighborhood, is there a homeowners' association in which your membership is mandatory?

    Homeowners have mixed feelings about such associations. While they certainly help to maintain the quality of the neighborhood and its property values, and maintain its safety as well, they do require membership fees. Find out what they are — you might be surprised.

    Will you face any deed restrictions? What are they, and how sternly are they enforced?

  • Check the Negatives:

    Any one negative in the neighborhood can counteract two or three positives. Check for all current and future negatives that could potentially devalue your home.

    • Rising neighborhood crime. How effective is the crime watch programs in the neighborhood?

      Check crime statistics:

    • Heavy traffic in and around the neighborhood. Evaluate how traffic patterns can increase with potential growth or changes in any underdeveloped areas surrounding the neighborhood.

    • Loud sounds, such as airline traffic, nearby factories, major throughways, and ball parks.

    • Visual pollution, such as power lines, radio and television towers, auto and bus fleet parking lots, ball fields that play night games, and salvage yards.

    • Smells such as bakeries, food processing plants, and factories. These units may be miles away, but a down drift could affect the quality of air in the neighborhood. You might want to visit the neighborhood several times during the day to check out the smells and noises.

    • Come back during the evening hours. Find out who frequents the neighborhood and when. Some neighborhoods have multiple personalities and attract a different crowd at night. Talk to your Realtor, then talk to prospective neighbors. Drive around, and do your own research.

  • Pick the best lot in the neighborhood:

    Look for the streets' boundaries where your new home is located. Any dead-end street can be turned into a major throughway. Homes that have defined boundaries can protect you from potential neighborhood changes.

    Homes in a cu-de-sac have a higher resale value than homes situated on busy streets. Also consider and potential construction that can turn a quiet street into a busy street later on.

    Look around the properties of the surrounding homes in the neighborhood. Homes in landscaped neighborhoods can demand a higher premium and keep the resale value high.

    Examine the property's lot for drainage, soil composition, physical dimensions, and privacy. An extensive review can save you dollars in structural repair.

    What's it worth? Order your personal home valuation report:
    get your home price at
    view sample report: click here

    Find the value of an existing or future homes:

    Check neighborhood prices:

What is Your Lot Setting: Urban, Suburban, or Rural

There are pluses and minuses to different home settings. An urban setting might place you closer to city-like services and amenities, but the encroachment of other urban settings can devalue your home over time. A rural setting offers romantic evenings, but life on the farm can be too slow for some people. Some pointers to consider:

Urban Setting

Expect more established neighborhoods with large trees and sidewalks in an urban setting. You will be closer to the city and its amenities, such as restaurants, recreational areas, and parks.

The schools may be less desirable, however, depending on the area. Private schools are an option, but their expense will add to your monthly cost.

The economic strength of the city is an important consideration because unstable communities can bring higher taxes, devalued properties, and flight of good jobs to the suburbs.

Suburban Setting

Suburban settings offer newer homes in subdivisions and associations. The homes may be similar in style and appearance, and the landscaping may be less distinctive with its young trees and shrubs.

It is not uncommon for suburban subdivisions to lack certain features like sidewalks and streetlights. The addition of these items may come later, thus increasing your property tax.

Many suburban homes are located near shopping centers and other amenities. Be aware if a suburban community is fairly new. The ongoing construction can bring overcrowding and heavy traffic.

Rural Setting

Rural homes offer private settings and large acreage. If the rural area is near suburban settings, you can have the benefits of both the rural and suburban life.

Beware, however, a few years could bring additional subdivision construction that could alter your rural landscape. Note the many rural areas do not offer basic services such as sewer, water, and mail delivery.

Further, depending on the location, some areas lack zoning restrictions, thus allowing any type of structure to be built closely which could potentially devalue your property.

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