Site Built vs Modular vs Manufactured Homes in Florida

A Red Door home is site built, which means it is framed and finished on your land on a poured concrete slab, and inspected to the Florida Building Code like any other house in your county. Modular homes are built in sections in a factory and assembled on site. Manufactured homes are built on a permanent steel chassis to a federal HUD code, not the Florida Building Code.

What is the actual difference?

• Where it is built. Site built: on your land. Modular: factory sections joined on site. Manufactured: entirely in a factory.
• Code. Site built and modular follow the Florida Building Code. Manufactured homes follow the federal HUD code.
• Foundation. Site built sits on a monolithic concrete slab. Manufactured homes keep a permanent steel chassis.
• Title. Site built and modular are real property. Manufactured homes are often personal property unless the land and home are tied together.

Does it change how you finance it?

It can. A site built home on land you own is financed, appraised and insured like any other house in the neighborhood. Manufactured homes are frequently treated differently by lenders and insurers, particularly when the home is titled as personal property. If financing is the part you are unsure about, our team can connect you with lenders we are approved with and explain what each one asks for.

What about resale?

A site built home is appraised against other site built homes near it, which is why it tends to hold value in line with the local market. Manufactured homes more often depreciate, and the gap widens as the home ages. If this home is the one you plan to sell or pass on some day, that difference matters more than the price on day one.

What about storms?

Site built and modular homes in Florida are built and inspected to the Florida Building Code, including the wind requirements for your county. Manufactured homes follow the federal HUD standard instead. Anyone selling you a home should be able to tell you exactly which code applies and what the wind rating is.

So why do people compare Red Door to modular at all?

Price. Families who assume a real site built home is out of reach start looking at mobile, manufactured and modular options. Our fixed pricing exists to answer that: a real concrete slab, site built home, with the options priced up front, starting at $169,967 for the base home. That is the whole reason the comparison comes up, and we would rather you make it with the facts in front of you.