Got a lot?
I'm your guy.

Building? I assist you through the whole process and help you understand every option.

Buying or selling? I can help with any property. Residential lots and teardowns are my specialty.

Joe Charles, the Jacksonville Lot Guy, with the downtown Jacksonville skyline and St. Johns River behind him
Joe CharlesBuild On Your Lot Specialist, Breeze HomesRealtor, Florida Homes Realty & Mortgage

Pick yours

Investors

One guy for your whole portfolio.

Buying, pricing, building and what comes after. You deal with me.

Build one house or five at a time.

Talk through my portfolio
  • Buy and sell lotsI find them, price them and close them.
  • Know what you ownWhat each lot is worth today, and what it should sell or rent for once it's built.
  • Make the right callBuild, sell or hold. I show you the numbers and tell you which deals to skip.
  • Construction handledBreeze Homes builds. I run the process with their team so you don't have to.
  • After the keysSell it, rent it or line up the next one. I'm still your guy.
Building your home

Building on your lot, made simple.

Breeze Homes brings a production builder's process and pricing to your own lot. I guide you through all of it.

Talk to me about building

See the numbers first

The price of the home and what your lot needs, before you sign.

You choose the plan

The plan, the finishes, the look.

I make it easy

Breeze Homes builds your home. I guide you through the whole process, so you always know what comes next.

Homes our own people live in.Breeze Homes builds houses its own employees live in, trust and love.
Lots and teardowns

Know every option
on your lot.

I can buy or sell any property for you. Residential lots and teardowns are what I specialize in: I lay out what you can do with yours and handle the sale or purchase.

Build on itTear down and rebuildSell itHold itBuy onePrice itNot sure? Ask me
Tell me about your lot
50' 100' SETBACK LINE N DUVAL COUNTY, FL
Areas I cover

Northeast Florida,
lot by lot.

Duval County

Jacksonville, Riverside, Avondale, Springfield, San Marco, Mandarin, Arlington, Southside, Northside, Westside, Oceanway, Jacksonville Beach, Neptune Beach, Atlantic Beach, Baldwin

St. Johns County

St. Augustine, St. Johns, Nocatee, Ponte Vedra, World Golf Village, St. Augustine Beach, Hastings

Clay County

Orange Park, Fleming Island, Oakleaf, Middleburg, Green Cove Springs, Keystone Heights

Nassau County

Yulee, Wildlight, Fernandina Beach, Amelia Island, Callahan, Hilliard

Who I am

Every lot has a best move. I find it.

I'm Joe Charles. Your lot is a big decision and I treat it that way. I walk it, study it and run the numbers until I'd put my name on the answer. One lot or a whole portfolio, you get my absolute best.

Build
Build On Your Lot Specialist, Breeze Homes
Brokerage
Realtor, Florida Homes Realty & Mortgage
Focus
Residential lots, infill and teardowns
Background
Came up in this business under industry leaders in homebuilding, land and real estate
Before lots
Florida State baseball and the College World Series. Pro ball in the New York Mets organization.

Why people hand me their lots

Lots are all I doVacant lots, infill and teardowns across four counties. Every day.
Numbers before opinionsReal sales, real rents and a real build price on your lot.
Straight answersIf a deal doesn't work, I tell you to walk.
You get meOne contact from the first question to the keys.

You call me. I bring the team.

Your one callJoe CharlesEvery build, purchase and sale starts and ends with me. You never get handed off.407-873-7315
Behind me, the builderBreeze HomesThe plans, the pricing and the crews that build your home, start to move-in.breezehomes.com
Brokerage powered byFlorida Homes Realty & MortgageEvery lot I buy, sell or list for you runs through their brokerage. You still come straight to me.
Straight answers

What people ask me.

How much does it cost to build a house on my own lot in Jacksonville, FL?

Two numbers: the house and the dirt. The house is the easy one, because Breeze Homes publishes base prices for its plans. The dirt is where lots differ. Clearing, fill, the driveway, water and sewer connections or a well and septic, permits and impact fees all depend on your property. Two lots on the same street can land far apart. I check yours against the county records and give you a working budget with both numbers before you pay for a survey or any study.

How do I know if my lot is buildable?

I start with five things: zoning and setbacks, flood zone, utilities, road access, and what's on the ground, like trees, old slabs and low spots. Then I lay a plan footprint on it. Once the side setbacks come off, a 50-foot lot is narrower than most people expect, which is why Breeze has plans only 27 feet wide. You'll know which plans fit and what still needs a surveyor or the county to confirm.

Should I tear down my old house and build new, or renovate it?

Run it both ways. If the house needs a roof, wiring, plumbing and foundation work, the land is often the valuable part. I get a demolition quote, check which utilities are already at the lot, and put three numbers side by side: sell it as is, renovate it, or tear down and build new. Then the choice is usually obvious.

What is an infill lot?

An infill lot is a vacant or underused lot inside a neighborhood that's already built out, like Riverside, Springfield or Arlington. The street, power and usually water and sewer are already there, which can save real money on site work. The trade-off is that infill lots tend to be narrow and come with setback, tree and sometimes historic district rules, so plan fit matters more.

I'm an investor. Can one person handle buying the lots, building and selling or renting?

Yes, that's how I work. I help you buy and sell the lots, show you what each one is worth today and what it should sell or rent for once it's built, and tell you which deals to skip. Breeze Homes builds, one house or five at a time, and I run the process with their team. When the homes are done I help you decide the next move: sell, rent or roll into the next lot. Where zoning allows two units, a duplex plan can put two rentals on one lot.

Can I get a loan to build on a lot I already own?

Usually, yes. Most people use a construction-to-permanent loan: one closing, interest-only payments while the home is built, then it converts to a regular mortgage. If you own the lot, a lender can often count your equity in it toward the down payment. Every lender sets its own terms, so I introduce you to construction lenders early and you'll know your range before you spend money on property studies.

Do I need to own the lot before I call you?

No. Call me before you buy. I'd much rather look at a lot while it's still a listing than after you close on it. The cheapest lot is not always the cheapest project, and a ten-minute look up front can save you from buying a problem.

I only want to buy or sell in Northeast Florida, not build. Can you help?

Yes. You don't have to build with anyone to work with me, and I can help you buy or sell any property. Residential lots and teardowns are my specialty. If you're selling, I can show buyers what fits on your lot and what it costs to build there, which answers their biggest questions up front. If you're buying, I check buildability before you make an offer. Real estate services are provided through Florida Homes Realty & Mortgage.

Are you the builder?

No. Breeze Homes builds the home and its construction team runs the job site. I'm the one who makes it easy. I get your lot checked, your plan picked and your price in writing, I keep the lender and the paperwork moving, and I stay your contact the whole way.

What areas does the Jacksonville Lot Guy cover?

Duval, St. Johns, Clay and Nassau counties. That's Jacksonville and its neighborhoods, the Beaches, Nocatee, Ponte Vedra and St. Augustine, Orange Park, Fleming Island, Middleburg and Green Cove Springs, and Yulee, Fernandina Beach and Callahan. If your lot is close to that line, send it to me anyway and I'll tell you.

Let's go

Send me your lot.

Text me the address, who you are and what you want to do with it.

407-873-7315