An Abundance of Land

By
Home Builder with Artisan Custom Estates

A recent development from the real estate swoon in North Atlanta has been an increase in the availability of quality land available for purchase - whether it be through the combination of multiple lots in an "in-progress" developments, or privately owned land that is now available for sale.  Because land in many areas of North Georgia is "generationally owned" meaning the cost basis for the owner is extremely low, there is generally less urgency for the owner to immediately sell, thus the pricing has stayed within a reasonably narrow range. 

That said, in the last several years, the quality land that has come available has almost immediately been scooped up by large scale developers.  With developers now facing an inventory overhang for their available land lots, developer purchases of raw land has slowed significantly and thus the private land that has come available on the market in the past 9-12 months has largely remained available.

Further, for developers that are in early phases of large luxury developments, there is an increasing amount of flexibility for combining land lots at discounted values.  Optimal lot combinations that would not have been available in prior years are now very much open to discussion.  Securing an optimal lot selection at a discounted cost basis in the early phases of a luxury development has historically been a tremendous investment.

While certain trends in home construction may come and go, land is certainly enduring, and demand for quality land in areas with solid long term demographic trends will almost certainly remain strong over the long term.  For those with an eye for long term investment and who prefer privacy for their primary residence or second home, now is the best market in years for private land purchases and custom home construction.

www.artisancustomestates.com

 

 

Comments (5)

Jim Fischetti
The Fischetti Group/Keller Williams - Wake Forest, NC

Good post.

Thanks for sharing.

 

Jim in NC

Apr 10, 2008 08:50 AM
Jim Fischetti
The Fischetti Group/Keller Williams - Wake Forest, NC

Good post.

Thanks for sharing.

 

Jim in NC

Apr 10, 2008 08:50 AM
Bo Hunt
First Choice Mortgage Group - Douglasville, GA
Metro-Atlanta Mortgage Professional
Great post, Chris... And in contrast to popular belief, there are land loans available out there, especially when tied to a construction-to-perm. loan... LTV's are not as great these days for raw land, however, when the construction-to-perm. scenario is offered, lenders will still offer decent financing availability!
Apr 16, 2008 06:50 AM
Artisan Custom Estates
Artisan Custom Estates - Alpharetta, GA
Thanks Bo - What kind of LTV's are you seeing on raw land purchases?  Most commercial loans I've seen top out at 75% and many have scaled back closer to 50%.  Most of the customers I speak with are interested in using all cash on the land and then financing the construction, but still good to have data points for current LTV's
Apr 16, 2008 09:28 AM
Bo Hunt
First Choice Mortgage Group - Douglasville, GA
Metro-Atlanta Mortgage Professional
Hey, Chris... You are accurate in your numbers... Some lenders boast being able to go as high as 85% LTV, however when you get into the nuts and bolts of the deal, they tend to find reasons to back off on the LTV. Top end, on a good deal, you can find around 70%, with the understanding of imminent development. Cash purchases are the best, however, as the land equity can be used to offset the amount you have to come to the table with for the construction loan.
Apr 16, 2008 04:26 PM