USDA backs a loan that buys the land and builds the house in one closing, with no down payment, for eligible buyers in rural areas. The catch is that the land itself has to qualify — and most doesn't. We check that part, free.
Sample result · real screening output
BREVARD : 20G3423-AI-5-3
Nothing found here disqualifies this land. Three answers cannot be settled from public records — they need a utility, a health department, and a title search. That is the normal ceiling: no parcel clears all nine from mapping alone.
Septic and well
The soil survey rates septic absorption very limited here. Expect an engineered system, or a denial.
NextSite soil and percolation evaluation, then a county health department permit.
NRCS soil survey · checked Jul 31, 2026
The permit is issued by the county, not by this screen.
our read
Power
Florida Power & Light serves this area. A utility serving the area is not the same as power at the lot line.
NextWill-serve request to FPL for the line extension distance and cost.
County utility table · checked Jul 31, 2026
No public data exists at pole level. our read
Legal road access
The parcel fronts a mapped public road — Harrison Rd, essentially at the line. Physical access looks present. Deeded legal access is a separate question.
NextTitle search for recorded frontage or an access easement.
Census TIGER road centerlines · checked Jul 31, 2026
USDA rural area
Inside a USDA-eligible rural area.
USDA Rural Development eligibility map · Jul 31, 2026
Zoning
Zoned RRMH-1, which permits a single-family home or a manufactured home. Minimum lot is 1 acre; this parcel is 9.93.
Brevard County zoning layer · Jul 31, 2026
The county zoning compliance form is still the final word.
Flood
Flood zone X. Outside the mapped floodplain and outside the floodway.
FEMA National Flood Hazard Layer · Jul 31, 2026
Wetlands
Mapped wetlands cover 5.9% of the parcel.
US Fish & Wildlife National Wetlands Inventory ·
Jul 31, 2026
Unmapped is not the same as absent.
Buildable ground
About 94% of the parcel reads as dry, buildable upland.
Derived from the flood and wetlands layers above. Not an agency finding. our estimate
Comparable sales
Enough nearby sold records to support an appraisal at this size.
Brevard County sold records · Jul 31, 2026
The USDA single-close construction loan is one government-backed loan that covers buying the lot and building the house together: no down payment, one set of closing costs, and the mortgage payment starts when the house is finished. It's meant for working families in rural areas, and most people have never heard of it — only about 1,000 to 1,500 close in the entire country each year.
For it to work, the land has to qualify. It must sit in a USDA rural-eligible area, be zoned for a house, have legal road access, enough dry buildable ground, power nearby, room for a well and septic, and enough comparable sales that the finished home appraises for what it costs to build. Miss one and the loan doesn't close.
Buyer income matters too. USDA publishes household income limits by county — commonly around $112,450 for a 1–4 person household and $148,450 for 5–8, though you should confirm the current figure for your county on USDA's own site. That part is between you and a lender; we only check the land.
A mapped floodplain, a lot smaller than its zoning minimum, no legal road frontage, or soil that won't take a septic system — each one can stop a construction loan after real money has been spent on a survey, a soil test, or a lot deposit.
Type in an address and you get an answer on all nine, each one showing the authority it came from and the date it was pulled:
On a parcel page, every requirement cites 7 CFR Part 3555 and HB-1-3555 by section.
Searching one address is the demo. The working tool searches all 536,324 parcels at once and ranks the ones closest to qualifying — and placement in front of the buyers who arrive here is available at a flat monthly rate.
Dirt Decisions is a land-screening tool. It is not a lender, appraiser, surveyor, or law firm; it does not approve loans, order appraisals, or guarantee that any parcel can be built on. Every answer is a screening opinion drawn from public records and government mapping as of the dates shown, and must be confirmed with the county and your own professionals before you rely on it.