Actually I think you’re pretty close, what with the utilities and septic already worked out. Julian is an unincorporated community but I think they have their own local design review. If you’re using stock plans and its something that would fit in reasonably well with the neighborhood they probably won’t hassle you.
As for timing the costs, 2007 may not be a bad time to start but I’ll bet 2008 would be better. There’ll probably be a lot of local labor actively competing for your contract by then, which will be good for you and for them.
The only possible downside to waiting is that interest rates and underwriting for the construction loan and the subsequent long term financing will probably get tougher as time goes by. If local pricing is in decline it could also affect the amount you could borrow for construction. Be aware that Julian’s location far from employment puts it at higher risk for pricing declines, especially in light of the costs of gasoline.
