Hernando County, FL

custom estate homes built on-your-lot

At Charter Bay Home Builders, we design and build large-scale, full custom estate homes for clients across Hernando County. From the initial concept to the final walk-through, our hands-on, builder-led approach ensures every detail is thoughtfully planned and tailored to your lifestyle. Whether you are starting with a blank canvas or bringing us your own plans, we work closely with you to create a truly one-of-a-kind home on the property of your choice.

If you have not yet found the perfect place to build your home, we can help. As both a licensed Florida real estate broker and a custom home builder, we are uniquely qualified to assist with your land search and guide you in identifying the ideal homesite.

We are committed to delivering unmatched quality and craftsmanship at every stage of the process. Hernando County offers open spaces, scenic beauty, and the freedom to design the exact home of your dreams. It’s an ideal place to build a custom estate home, and we’re here to help you bring it to life.

Architectural Design

Bespoke home designs tailored to the way you live.

We design large-scale, full custom homes starting from a blank page, not a template. Whether you know exactly what you want or need help exploring your options, we take the time to understand your lifestyle and vision. We bring your ideas to life with immersive 3D renderings, helping you visualize each space so you can make confident, informed decisions.

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New Home Construction

A higher standard of custom homebuilding.

Every home we build is led by Eric, the founder and driving force behind Charter Bay. With decades of experience and a deep sense of responsibility for every project that bears his company’s name, Eric is personally involved in every phase of the build. You’ll work directly with the person whose name is behind the company and who is personally invested in getting it right.

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Land Search & Homesite Evaluation

Where you build is as important as what you build.

As a licensed real estate broker and experienced home builder, we offer expert guidance in helping you find the perfect location to build your new home in Hernando county. We evaluate key factors such as zoning, topography, soil conditions, and site orientation to ensure the property aligns with your vision and budget. Whether you already own a lot or are still searching, we’re here to help.

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Interior/Exterior Detailing & Design Selections

Finishing details make your home truly yours.

We help you design every detail, inside and out. From lighting layouts to landscape design, we guide you through the entire design process as part of our full-service, in-house approach. No need to juggle separate architects, designers, and contractors. With Charter Bay, design and construction go hand in hand, ensuring every selection is not only beautiful but buildable.

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To Say We Are Pleased is an Understatement

“To say that we are pleased with Eric and his work is a huge understatement. We trust him implicitly. We would be happy to give a recommendation.” 

David and Joyce Barber - Hernando Oaks

Why Build in Hernando County?

We understand the appeal of Hernando County because we live just next door in Dade City and are currently building a custom home in Brooksville. We know what makes this area so attractive, especially for those seeking space, privacy, and the freedom to create a home that truly fits their lifestyle. Hernando offers a unique blend of natural beauty, wide-open land, and a peaceful pace of life that’s getting harder to find elsewhere in Florida.

Hernando County offers a quieter, more rural alternative to the more developed areas to the south. With gently rolling hills, open pastureland, and wooded acreage, it’s the perfect setting for those who want to build a large estate home, a multi-generational family compound, or even start a farm. The county feels tucked away, yet it still remains within reach of major highways, the Gulf Coast, and all the amenities that the Tampa Bay Area has to offer.

Unlike more densely populated regions, Hernando still has plenty of available land, fewer building restrictions, and lower property taxes, making it an ideal location for a full custom build. Whether you’re dreaming of horses, a vegetable garden, or simply space to breathe, this area offers the flexibility to design a home and lifestyle that is truly your own.

If you’re ready to build your dream home in Hernando County, we would be honored to help. Whether you already own your land or are just starting to explore your options, we’ll guide you through the entire process with experience, insight, and a strong commitment to getting it right.

Why Build with Charter Bay Homes?

Luxury, Without the Layers

When you build with Charter Bay, you work directly with founder Eric Stockland. No rotating cast of characters. No handoffs. Just clear communication, and expert guidance.

Designed With Purpose

We don’t just draw floor plans that look good on paper. We design with livability in mind, anticipating how your home will feel and function in real life.

Proven Experience

We have been building custom homes in the area for more than two decades, and we have lived here even longer. These deep roots give us valuable insight and a clear understanding of the unique challenges that can come with building here.

Full Custom, Fully Yours

We don’t use stock plans or templates. Every detail is tailored to your preferences, from the first sketch to the final dab of paint.

Frequently Asked Questions

Smart decisions start with good information

Most of our custom homes take between 18 to 24 months from initial planning to completion, depending on the size, complexity, and Hernando County’s permitting requirements for your particular location.

As a licensed Florida real estate broker and custom home builder with over 20 years of experience building in the area, we can help you find, evaluate, and purchase the right property for your custom home, including exploring potential tear-down opportunities. We have also lived in the area for more than two decades, so we have valuable insight, as well as the unique challenges that can come with building in this area.

We’re often asked this question, and the honest answer is—it depends. With true a custom home, there are countless variables that affect the cost to build, including the location and site conditions, the complexity of the design, architectural features, the level of finishes, and even outdoor living elements like pools or detached structures.

Until we know more about where you’re building, what you want to build, and how you want to live in the home, it would be misleading to throw out a generic price per square foot. We strongly believe that if anyone gives you a number without first understanding those details is either guessing or trying to win your business with an unrealistic promise. That’s not how we operate. We believe in honesty from day one. If we’re not transparent at the beginning, how can you trust us throughout the entire build?

Once we fully understand your vision, we’ll walk you through a detailed, thoughtful budgeting process to arrive at an accurate and realistic estimate—no surprises, no games.

Our process starts with getting to know you and your lifestyle, your priorities, and your vision of how you want to live in your home. From there, we either help you design your home from the ground up or collaborate with your architect to fine-tune the plan. Eric personally guides you through everything—from choosing finishes and fixtures to walking the job site with trades. We believe the process of building your home should feel as custom as the home itself.

Unlike larger builders with multiples layers of staff and limited accountability, our boutique approach gives you a direct line to the person who has as much at stake as you do in getting every detail right.

With over 20 years of experience building high-end, luxury homes throughout the area, we combine local market knowledge, long-standing trade relationships, and a hands-on, design-build approach to deliver both high-end craftsmanship and personalized service.

Absolutely. Many of our past clients are happy to share their experience with Charter Bay and have generously allowed private tours of their completed homes upon request. We also welcome you to visit one of our current job sites to see our process and craftsmanship firsthand. Just contact us to schedule a time—we’d be glad to show you what sets us apart.

See our FAQs Page for more frequently asked questions, or if you’d like, please feel free to reach out. We’d be happy to answer any additional questions you may have.