If you’ve been searching for Watersound Camp Creek homes for sale, you’ve probably noticed this luxury community is unlike anything else along 30A. With its serene setting, expansive estate lots, and exclusive access to Watersound Club amenities, Camp Creek offers a unique opportunity for those looking to build a custom coastal retreat.
In this guide, I’ll break down everything you need to know—from buying a lot to selecting the right builder—so you can navigate the Watersound Camp Creek home-building process with confidence.
Step 1: Decide if Watersound Camp Creek Is Right for You
Before falling in love with the community, it’s important to understand its distinct characteristics:
- No Short-Term Rentals: Camp Creek is a rental-restricted community. Short-term rentals are prohibited, and long-term leases require a minimum 12-month term. This ensures a peaceful, residential atmosphere—perfect for full-time living or second homes.
- Watersound Club Membership: Ownership here requires membership in Watersound Club, St. Joe’s exclusive private club. The membership cost (a $75,000 initiation fee) is already bundled into your lot purchase price.
- HOA & Membership Fees: HOA dues are currently $300 per quarter, with monthly Watersound Club membership fees exceeding $1,000.
- Membership Perks: When you purchase a lot, you’ll receive a new membership (even if you already have one) and can choose between the Lifestyle or Beach & Sport membership.
Pro Tip: Location is key! While Watersound Camp Creek feels tucked away, it’s just minutes from Highway 98 and 30A. Plus, golf cart access connects you to Camp Creek Golf Club, Watersound Town Center, and the amenities of the neighboring Watersound Origins community.
Step 2: Plan Your Financing
Financing a lot purchase and custom home construction requires a different approach compared to traditional home loans. Most buyers utilize a construction loan, which:
- Covers both the land purchase and the construction costs.
- Funds are disbursed in stages (“draws”) as construction progresses.
- In many cases, converts into a long-term mortgage once the home is completed (known as a construction-to-permanent loan).
Need a trusted lender? I work with top local lenders experienced in Camp Creek projects—contact me for an introduction.
Step 3: Find the Right Lot
Watersound Camp Creek offers estate-size lots ranging from 0.25 acres to nearly 1 acre, surrounded by preserved natural landscapes. Many lots are “build-ready” with utilities in place.
Things to consider when selecting your lot:
- View & Location: Do you want to back up to an HOA preserve, pond, or be closer to the amenities gate?
- Setbacks & Easements: Building setbacks are 15’ front, 10’ side, and 10’ rear. We’ll also review surveys to identify any easements that might affect your plans.
- Off-Market Lots: Some developer-owned lots aren’t listed on the MLS, and I have access to unreleased lots in Phase 2 that haven’t been made public.
Pro Tip: A lot’s layout impacts your home’s design. I help my clients outline “must-have” features early—like outdoor living spaces, pools, and cabanas—so we select the lot that fits their lifestyle.
Step 4: Choose the Right Builder
With a list of approved builders, choosing the right partner is critical to achieving your vision. During interviews, ask questions like:
- Can we tour your completed homes to see craftsmanship?
- How do you determine cost per square foot?
- What is your average build timeline?
- Do you work on a cost-plus or fixed-price model?
Cost-Plus vs. Fixed Price:
- Cost-Plus Builders bill for actual materials/labor plus a set percentage.
- Fixed-Price Builders give you a predetermined cost upfront.
I work closely with top custom home builders in Watersound Camp Creek and can connect you with those who consistently deliver high-end finishes, energy-efficient designs, and cutting-edge smart home technology.
Step 5: Collaborate with an Architect
Your architect will help you maximize the lot’s potential while adhering to Camp Creek’s design guidelines.
- Homes are encouraged to have unique, coastal character with custom details that reflect the owner’s personality.
- Design choices should balance lifestyle functionality with strong resale appeal for future value.
Step 6: Start Building Your Dream Home
Once your plans are finalized and approved by the Watersound Camp Creek Design Review Board (DRB) and Walton County permitting office, construction begins! From pouring the foundation to adding your finishing touches, I’ll guide you every step of the way.
Ready to Explore Watersound Camp Creek Homes for Sale?
Whether you’re buying a lot, building a custom residence, or exploring new construction homes, I specialize in Watersound Camp Creek real estate and have insider access to off-market opportunities.
📲 Call or text me today to get started or view available Watersound Camp Creek homes for sale: https://bit.ly/4g8OAnB
