4.99% FHA FIXED RATE*

ON HOMES THRU 12/31*

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CommunitiesNew Homes in Coastal Alabama

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Roans CreekLoxley, AL

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DiscoverNew Homes in Coastal Alabama

Coastal Alabama offers the perfect blend of relaxed seaside living, natural beauty, and small-town charm. Centered in fast-growing Baldwin County, this area attracts homeowners seeking affordability without sacrificing access to the Gulf Coast lifestyle. Residents enjoy being just minutes from Gulf Shores and Orange Beach, with 32 miles of white-sand beaches, boating along Mobile Bay, and year-round outdoor recreation. Charming nearby towns like Fairhope, Daphne, Foley, and Robertsdale add to the appeal with local shopping, dining, and a strong sense of community.

Smith Douglas Homes is proud to bring its signature value, quality, and thoughtfully designed homes to the Coastal Alabama market. With a variety of ranch and two-story floorplans, homeowners can enjoy modern layouts, energy-efficient construction, and opportunities to personalize their new home—all at a price point that makes coastal living attainable. Our mission is to deliver more home and more choice, ensuring buyers find a home that fits their needs and lifestyle.

Our first community in this area is located in Loxley, AL, a centrally positioned town offering exceptional convenience. From Loxley, homeowners enjoy quick access to the beaches along the Gulf, the shopping and dining of Daphne and Fairhope, and the employment, entertainment, and cultural attractions of Mobile—all typically within 20–40 minutes. What makes Baldwin County truly special is its unmatched affordability compared to other Gulf Coast markets. Here, you can live close to the beach, enjoy vibrant communities, and own a high-quality new construction home at a price that delivers real value. Smith Douglas Homes makes it possible to enjoy more home, more choice, and more freedom—all within reach. Discover why so many families are choosing to call Baldwin County home. Explore our new homes in Loxley, AL, and across Coastal Alabama, and find your dream home with Smith Douglas Homes today.

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*4.99% FHA Fixed Rate Built Your Way Offer is available for a limited time and only in select locations/homesites. Availability, pricing, homesite selection, and incentives are subject to change without notice and are not guaranteed until a purchase agreement is fully executed. Mortgage rate commitment is available exclusively through our preferred lender, Ridgeland Mortgage. Minimum FICO score of 660 and a minimum down payment of 3.5% of the purchase price. Offer applies to a limited number of homes and may expire or be withdrawn at any time. 5/1 ARM + offer available exclusively through our preferred lender, Ridgeland Mortgage, on select quick move-in inventory homes that contract on or after 9/19/25 and close by 12/31/25. FHA, a 5-year adjustable-rate mortgage has an initial rate of 3.99% (4.323% APR) that may adjust after 60 months (5 years) and every 12 months thereafter through 120 months (10 years), at a maximum increase of 1% from the prior year's rate. The fully indexed rate is based on the daily 1-year. treasury index plus the margin of 1.75%. Minimum FICO of 660 and a maximum loan-to-value ratio of 96.5% on an owner-occupied single-family residence. Costs calculated in APR include lender fees, all 3rd-party fees, and prepaid items. Closing costs contribution capped at 4% of the loan amount. Subject to qualification. Loan limits may apply. Interest rates and APRs are current as of 10/22/2025 and subject to change without notice. Actual rates may vary based on several factors, including your credit rating, size of down payment, DTI, and other factors. Smith Douglas Homes is not a lender, and this is not an offer to lend. The purchaser must qualify through Ridgeland Mortgage. Equal Housing Opportunity. Additional restrictions may apply. See New Home Specialist for complete details. All information is believed to be accurate but not warranted and subject to change without notice. Smith Douglas Homes® 10/22/25

All elevations, floor plans, virtual tours, and other graphics shown are representations and may vary from the actual products. Pricing, availability, features, and all other website content is believed to be accurate and subject to change without notice. Contact a new home specialist to verify all information, including homesite fit based on plan and structural options selected. Where presented, unless denoted otherwise, the sample monthly payment, is an estimate based on lowest price base floorplan in the community, and includes principal, interest, estimated taxes, PMI, and insurance, 3.5% down payment, FHA 30-year fixed rate loan, and is for illustrative purposes only. Subject to approval by third party lender. Not an offer to lend. HOA and other fees not included. Incentives (including seller contributions) may require use of certain title companies or independent lenders. We require buyer's brokers and agents are present and registered with the home buyer at the first visit (virtual or onsite) to receive compensation. Equal Housing Opportunity. Smith Douglas Homes® 2025.


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