Thanks for the questions and insights so far.
We will be building new. The neighborhood just got started about two years ago. Looks like a farmer sold off the land and a developer got it rezoned for residential.
There is an HOA. I don't know anything about it's members at this time but I have read the rules and for the most part they seem to be geared towards keeping it like a nice and quiet little rural place. I didn't see anything I had a problem with. One plus is that the family next door to the lot I want is an FFL!
One real estate lady was telling us that septic would add about $15K to the construction cost. She didn't seem to know too much other than that so I think she must have been talking about an ATU system from what I've read. Gravity systems sound like they're less than $5K but I haven't spoken to a professional just yet so my knowledge is limited there. Anyone know much about the different types?
Propane it looks like would run the heater/fireplace/hot water. Not 100% sure. I just saw tanks next to the few houses that are already there but I haven't researched much beyond that. Online searching seems to indicate a 500gal above ground system is usually $2-4K. That sound right?
The well thing is something I need to learn more about. I know it's a community well and I'd bet that maintenance and such would be divided by the homeowners. How do they measure and bill for water usage then if it's not a utility? Do you essentially get it for free after you pay your hookup fees? That sounds like a too good to be true type of thing so I probably sounded very naive right there.
Town isn't that far really. Yes, we'd have to plan a little bit better but my wife keeps a good pantry anyway and I've bailed her out a time or two from my "downstairs pantry".
It's only about 6-7min to the interstate or about 15min tops to Gretna. We wouldn't be TOO far out in the sticks.
Rick: You raised one of my concerns: The gravel road in winter. There is about 1mi of this before reaching Buffalo Rd which is paved nicely. I have a 4x4 truck and my wife has an awd Explorer but is the ice/snow on those things really that much worse? You mentioned the frost coming out of the road in the spring. Does that just make the road squishy and sloppy or is it it's own kind of slippery like no other you've driven before? I kind of worry about my wife on stuff like that...
Thanks again everyone. Please continue to reduce my ignorance as we contemplate this choice. I really appreciate the help!