New Construction Homes in Baker, FL
8 new-construction homes are listed for sale in Baker right now, across 3 communities and 1 builders. Most list between $300K to $425K; the median new build is $352,400. Everything on this page is from Momentum’s MLS record as of 2026-09-12 and refreshes as homes list and sell.
Newest new-construction listings in Baker
The most recently listed new homes in Baker, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in Baker
Every Baker community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Gator's Landing | D.R. Horton | 5 | $299,900 |
| Mossy Oak S/D | — | 2 | $339,900 |
| Mossy Oaks | — | 1 | $424,900 |
Builders building in Baker right now
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
- D.R. Horton — 5 new homes in Gator's Landing
New construction in Baker by price
- Under $300K: 1 home
- $300K – $400K: 5 homes
- $400K – $500K: 2 homes
What a new build in Baker costs to own
Take the median $352,400 new home with 20% down at today’s 6.76% 30-year rate: principal and interest run about $1,830/month. Okaloosa County’s typical millage of 12.89 puts property tax near $3,899/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Okaloosa County is about $2,644/year; a new roof and current code usually earn a better private quote than that average. All in, plan on roughly $2,376/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore Baker
Common questions
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<a href="https://movewithmomentum.com/new-construction-homes-baker">New Construction Homes in Baker, FL: 8 New Homes from $300K by D.R. Horton (September 2026) — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in Baker communities as of 2026-09-12; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.