Buying an established home isn’t the only path to homeownership in the Upstate, and for buyers with a specific vision, patience, and the right resources, buying land and building a custom home can produce exactly the property that an existing home search never quite delivers. It’s also a meaningfully different process than buying in a builder-run new construction community, so here’s what to understand before you start.
Finding the Right Land
The land search itself is different from a typical home search. You’re evaluating raw or partially developed acreage rather than a finished structure, which means the questions shift toward the land’s usability. Topography matters — steep or heavily wooded lots can significantly increase site preparation costs. Access matters — does the parcel have road frontage and an established access point, or would you need to develop that from scratch?
Utility access is one of the most important early questions. Is public water and sewer available, or will the property require a well and septic system? In much of rural Spartanburg County, well and septic are the norm rather than the exception, which adds cost and a required permitting step — a percolation test, commonly called a perc test, determines whether the soil can adequately support a septic system and is typically required before you can get septic permit approval from the county.
Zoning and any deed restrictions need to be verified as well. Confirm what’s permitted on the parcel, any setback requirements from property lines, and whether the land falls in a floodplain or has any other restrictions that would affect where and how you can build.
Financing: Construction Loans
Building a custom home typically requires a construction loan, which is structurally different from a standard mortgage. A construction-to-permanent loan finances the land purchase and construction phase, then converts to a standard mortgage once the home is complete. During construction, funds are disbursed in stages as work is completed and verified through inspections, and you generally pay interest only on funds that have been drawn.
Not every lender offers construction loans, and the qualification process tends to be more involved than a standard purchase mortgage because the lender is financing something that doesn’t exist yet. Working with a lender experienced in construction lending — and getting that conversation started early, before you’ve fallen in love with a specific piece of land — puts you in a much stronger position.
Choosing a Builder
Whether you work with a custom home builder who manages the entire process or hire your own general contractor and manage subcontractors more directly is one of the biggest decisions in this process. A custom builder typically offers more predictability and a single point of accountability, while managing your own GC relationship can offer more control and potentially cost savings, but requires more of your own time and project management involvement.
Whichever route you choose, research matters. Ask to see completed projects, talk to previous clients, and understand the builder’s typical timeline and change-order process before you sign anything.
Timeline Expectations
Building a custom home is a longer process than buying an existing home or even purchasing in a production home builder community. Land closing, permitting, well and septic installation if needed, and the construction process itself can easily stretch the total timeline to a year or more from land purchase to move-in. Buyers who need to be settled by a specific date should factor this timeline into their planning realistically rather than optimistically.
How This Differs From New Construction Communities
Buying a lot and building with a custom builder is a different experience than purchasing a home in an established new construction neighborhood, where the builder has already secured land, installed infrastructure, and offers a menu of pre-designed floor plans. The custom route offers more control over the finished product but requires more active involvement and carries more variables. If you’re weighing the two paths, I’m happy to walk through what each would look like for your specific goals and timeline.
Reach me at 864.913.8295 or Ambur.Davis@Century21Blackwell.com to get started.