Build on your own lot in Utah
Already own land, or have your eye on a lot? Hamblin Homes builds on your lot anywhere along the Wasatch Front. You keep the location you chose, and you get a home designed for that site instead of a model plan dropped onto it.
Building on your own lot means you supply the land and hire a builder to design and construct the house on it, instead of buying a lot and home package from a subdivision builder. The key early step is a feasibility review of the lot: slope, soils, utilities, setbacks, and any HOA or city design rules, because those drive the cost to build.
Your lot, checked before you commit
The most expensive surprises in a build-on-your-lot project are in the dirt, not the drawings. Before plans are final we review:
- Utilities: whether water, sewer, power and gas are at the lot line, or need to be brought in (or a well and septic system).
- Slope and soils: how much excavation, retaining and foundation work the site needs.
- Setbacks and zoning: the buildable footprint, height limits and whether a detached ADU or shop is allowed.
- HOA rules: architectural review, required materials and minimum square footage.
- Access: whether trucks and equipment can reach the site, which affects cost and schedule.
Build on your lot vs. buying in a subdivision
| Build on your lot | Subdivision builder | |
|---|---|---|
| Location | Anywhere you own or buy land | Only lots in their communities |
| Floor plan | Designed or adapted for your site | Chosen from their model plans |
| Lot and home | Bought separately | Bundled package |
| Financing | Usually a construction loan | Usually a standard mortgage at closing |
| Best for | Specific location, larger lots, custom layouts | Speed and a fixed menu of options |
Financing a build on your lot
Most build-on-your-lot homes are financed with a construction loan that converts to a mortgage when the home is finished; land you already own can often count toward your equity. We work with your lender's draw schedule and inspections. We are a builder, not a lender, so talk to a Utah construction lender early about what fits your situation.
Where we work
We serve the Wasatch Front: Weber County, Davis County, Salt Lake County, Utah County, including Ogden, Layton, Bountiful, Salt Lake City, Sandy, Draper, Lehi, Provo.
Common questions
Do you build on lots outside a subdivision?
Yes. We build on infill lots, rural parcels and lots in existing subdivisions along the Wasatch Front, as long as the site can be permitted for a single-family home.
What should I check before buying a lot to build on?
Confirm utilities at the lot line, zoning and setbacks, HOA rules, slope and soils, and road access. We are happy to walk a lot with you before you buy.
Can I use my own house plans?
Yes. We review your plans against the lot and local code, and flag anything that would drive cost or cause a permit problem.
How long does it take to build on my lot?
It depends on design, permitting in your city and the size of the home. We give you a realistic schedule with the estimate, after the lot review, rather than a number before we have seen the site.