New Construction Guide
Builders on the
Florida Panhandle
DR Horton, Lennar, Toll Brothers, and Kolter Homes — every community, every area, all in one place.
The Florida Panhandle is one of the most active new construction markets in the Southeast. From the quiet Forgotten Coast to the iconic communities of 30A, all four of the nation's leading builders — DR Horton, Lennar, Toll Brothers, and Kolter Homes — are building here right now.
This guide gives you direct links to every community each builder offers in every area I serve. And remember: having a buyer's agent represent you in a new construction purchase costs you nothing — the builder pays my commission — but it can save you thousands in negotiations and protect your interests throughout the process.
The Four Major Builders
Click any link to go directly to that builder's community search page.
DR Horton
America's Largest Homebuilder
DR Horton builds at every price point — from the value-focused Express Homes line through the premium Emerald Homes collection. They are the most active production builder in the Panhandle and have communities throughout Bay and Walton Counties.
Lennar
Everything's Included®
Lennar's signature Everything's Included® program delivers granite countertops, stainless appliances, and smart home technology as standard — not as upgrades. Their communities in the Panhandle offer strong value at multiple price points.
Toll Brothers
America's Luxury Home Builder™
Toll Brothers focuses on the luxury end of the new-construction market, offering a higher level of architectural customization and finish quality than typical production builders. Their Florida communities are designed for discerning buyers.
Kolter Homes
Gulf Coast Lifestyle Communities
Kolter Homes has deep roots in the Florida Panhandle and understands the coastal lifestyle better than most national builders. Their communities are designed with the Gulf Coast buyer in mind and reflect the character of the region.
Builders by Area
Each area has its own dedicated guide covering which builders are active, which communities they offer, and what buyers need to know about building new in that specific market.
Forgotten Coast
4 areasThe Forgotten Coast — St. George Island, Cape San Blas, Port St. Joe, and Mexico Beach — is one of Florida's last truly undeveloped stretches of Gulf shoreline. New construction is primarily custom and semi-custom. DR Horton, Lennar, Toll Brothers, and Kolter are active in nearby Gulf and Bay County markets for buyers who want production-builder value close to this area.
Active builders
Community guides
Panama City Area
2 areasBay County is the most active new construction market on the Panhandle — with 12+ production builders competing across 40–60 communities. DR Horton leads the market, followed by Adams Homes, Harris Doyle, Holiday Builders, Lennar, Valor Communities, Fischer Homes, Toll Brothers, DSLD Homes, Traton Homes, Southern Coastal Homes, and Century Complete. Price points range from the high $200s to $700s+.
Destin
1 areaDestin and the greater Okaloosa County area offer new construction from all four major builders, with communities ranging from the Niceville corridor to Miramar Beach. Beachfront land is limited, but the surrounding areas provide strong value with easy Gulf access.
Active builders
Community guides
30A Communities
10 areasScenic Highway 30A stretches 24 miles through some of the most architecturally distinctive beach communities in the country. New construction here is limited and premium — Kolter, Toll Brothers, and select custom builders are the primary players.
Work with Kinsey
Let Me Represent You — At No Cost
The builder's sales agent works for the builder. Having your own buyer's agent costs you nothing — the builder pays my commission — but gives you an advocate looking out for your interests from contract to closing.