Inside a $2,099,900 Kaysville New Build With a $100K Backyard

Over $100,000 on backyard landscaping alone. That is where this Kaysville new build starts, not where it ends. Here is the full walkthrough of a $2,099,900 Symphony Homes custom build in Davis County.

What Is This Kaysville New Build?

This Kaysville new build is a custom Accord XL plan from Symphony Homes, priced at $2,099,900. Standout features include over $100,000 in backyard landscaping, soaring beamed ceilings, a commercial-grade ZLINE chef kitchen, and a hidden pantry.

Let's set the stage. This is a luxury new construction home in Kaysville, Utah, built by Symphony Homes on their custom Accord XL floor plan.

The asking price is $2,099,900. That puts it near the top of the Davis County market, and the finish level backs it up.

What makes it different from most homes at this price point is that it is done. The landscaping is in. The kitchen is not a builder-grade placeholder. You are not looking at a shell with a design-center appointment in your future.

If you want to see what else is available at any price in the area, you can browse live MLS listings and compare in real time.

Why the $100,000 Backyard Is the Real Headline

Symphony Homes spent over $100,000 on backyard landscaping for this Kaysville home. That matters because landscaping is the largest post-closing expense most Utah new-build buyers face, and here it is already finished.

Here is what a lot of buyers do not find out until after they move in: new construction often does not include the backyard.

You close, you move in, and then you are staring at dirt with a builder or HOA deadline to get something growing. In Northern Utah, a full backyard build-out — grading, sod, irrigation, hardscape, trees, lighting — regularly runs well into five figures.

Symphony Homes put over $100,000 into this one before it ever hit the market. That is a real, bankable difference.

• No separate landscaping loan or cash outlay after closing
• The cost sits inside your mortgage instead of on a credit card
• Finished outdoor living space from day one
• No clock ticking on your yard timeline

For a family relocating from out of state, that last point is bigger than it sounds. You are already managing a move. You do not need a landscaping project stacked on top of it.

Inside the ZLINE Chef Kitchen and the Hidden Pantry

The kitchen features commercial-grade ZLINE appliances with gold finishes throughout, plus a hidden pantry tucked behind the main cooking space. It is built for people who actually cook and entertain at volume.

The kitchen is the centerpiece of this home, and it is not subtle.

ZLINE commercial-grade appliances anchor the space. ZLINE is a favorite in the luxury build world because it delivers pro-style performance — heavy ranges, serious ventilation, restaurant-caliber burners — without the price tag of some European imports.

The finishes carry gold hardware and accents throughout. Paired with the beamed ceilings, the room reads warm instead of cold-modern.

Then there is the hidden pantry. If you have not seen one in person, the idea is simple: your primary kitchen stays photo-ready while the second space behind it absorbs the small appliances, the bulk storage, and the prep mess.

For anyone who hosts — holidays, extended family, church groups, squadron gatherings — that hidden space is the difference between enjoying your own party and hiding in the kitchen.

Soaring Beamed Ceilings and the Accord XL Feel

The Accord XL plan uses soaring beamed ceilings to create volume in the main living areas. Exposed beams add architectural warmth that flat drywall ceilings cannot match at any price.

Ceiling height is the fastest way to make a home feel expensive, and this one leans into it hard.

The soaring beamed ceilings in the main living space do two jobs at once. They open up the volume of the room, and the exposed beams break up all that air so the space still feels grounded and livable.

This is a detail that photographs well but feels even better in person. Standard ceilings are the norm in Utah production builds. Beam work like this sits in custom territory.

Because this is the Accord XL — the extended version of Symphony's Accord plan — the footprint gives those ceilings room to breathe. The scale works instead of feeling forced.

Who Symphony Homes Is and What Custom Means Here

Symphony Homes is an established Northern Utah builder. On this Kaysville property they built the Accord XL as a custom home, meaning the upgrades were selected and installed before listing rather than offered as buyer add-ons.

There is a meaningful difference between a standard production build and what happened here.

In a typical production build, you pick a plan, then you walk into a design center and watch the price climb with every upgrade. Flooring, cabinetry, lighting, appliances, landscaping — each one is a line item.

On this home, Symphony Homes made those calls up front. The ZLINE package, the gold finishes, the beam work, the six-figure yard — all already installed.

That has two practical effects for you as a buyer:

1. You see exactly what you are buying instead of trusting a rendering.
2. The upgrades are financed inside the purchase price, not paid separately in cash.

The trade-off is that you do not get to choose the finishes. If a fully custom build from the ground up is what you want, that is a different conversation — and one worth having before you tour.

What $2,099,900 Buys You in Kaysville Right Now

At $2,099,900, this Kaysville new build sits in the top tier of Davis County. That price buys custom builder quality, finished landscaping, and pro-grade appliances in one of Northern Utah's most sought-after communities.

Let's talk honestly about the number.

$2,099,900 is a premium price for Davis County. Kaysville is one of the strongest markets in the county, but this is still the upper end of it.

What you are paying for is the combination — custom-level construction, a finished six-figure yard, commercial appliances, and architectural detail, all at one address. Assembling that piece by piece on a resale home would cost more and take a year of your life.

The buyers who tend to land here are:

• Move-up families already living in Davis and Weber counties
• Out-of-state relocations coming from higher-cost markets
• Senior military and civilian leadership tied to Hill AFB
• Business owners who need to host and entertain at home

If that is not you, that is fine. Kaysville has excellent inventory well below this number. Explore what fits your range across Davis County.

Living in Kaysville: Location, Schools, and Daily Life

Kaysville sits in central Davis County between Layton and Farmington, roughly 25 minutes north of Salt Lake City. It is known for strong schools, a walkable historic Main Street, and quick access to both I-15 and the mountains.

Kaysville is the kind of town people move to and then stop moving.

It sits right in the middle of Davis County, with Layton to the north and Farmington to the south. You are roughly 25 minutes from downtown Salt Lake City on I-15, and FrontRunner commuter rail is close by if you would rather not drive.

The city keeps a genuine historic downtown along Main Street — not a manufactured town center — and the Davis School District draws families to this corridor specifically.

Outdoor access is immediate. The Wasatch foothills are minutes east, trail networks run west toward the lake, and Snowbasin is roughly 45 minutes out.

You can read more straight from the City of Kaysville, and see what else is on the market on the Kaysville community page.

Relocating or PCSing to Hill Air Force Base?

Kaysville is roughly 10 to 15 minutes from Hill Air Force Base, making it one of the most practical high-end communities for military and defense families. A move-in-ready new build removes most of the PCS timeline risk.

If you are reading this because orders sent you to Utah, this section is for you.

Hill AFB is a short drive from Kaysville — generally 10 to 15 minutes depending on which gate you use. That makes Kaysville a realistic daily commute for anyone assigned to Hill, and it is a common landing spot for senior officers, civilian leadership, and defense contractors.

The move-in-ready factor matters enormously on a PCS. You often have a narrow window between report date and household goods delivery. A home with finished landscaping and installed appliances means you unpack and you are done.

According to Hill Air Force Base, the installation is one of Utah's largest employers, which is exactly why Davis County housing stays competitive year-round.

Start with the PCS relocation guide for Hill AFB. It walks through timelines, gate access, school zoning, and what to handle before you ever set foot in Utah.

Financing a Kaysville New Build at This Price Point

A $2,099,900 purchase typically requires jumbo financing, with stricter reserve and credit requirements than a conforming loan. VA-eligible buyers should confirm entitlement early, since full entitlement removes the loan limit.

Financing at this level works differently, so plan ahead.

Most loans above the conforming limit fall into jumbo territory. Expect tighter documentation, higher reserve requirements, and lenders who want the full picture before they commit.

For military buyers, there is an important detail. According to the VA, buyers with full entitlement have no VA loan limit — limits apply only when entitlement is partially used. The practical ceiling becomes what a lender will approve, not a government cap.

Two things to do before you tour a home in this range:

• Get a written pre-approval from a lender who actually closes jumbo and VA jumbo loans in Utah
• Confirm your entitlement status in writing if you are using a VA benefit

Sellers at this price expect proof of funds or a strong pre-approval before they take an offer seriously.

New Build vs. Resale in Davis County

A new build gives you warranty coverage, modern systems, and current design with no deferred maintenance. A resale usually offers mature landscaping and an established neighborhood, often at a lower price per square foot.

Both paths work. The right one depends on your timeline and your tolerance for projects.

This Kaysville home is the rare case that removes the biggest new-build drawback. You get the warranty and the modern systems and the finished yard.

If a resale in a neighboring city makes more sense, look at nearby options in Layton or Farmington.

Which Upgrades in This Home Actually Hold Their Value

The upgrades that hold value are the ones you cannot add later: structural beam work, the commercial-grade ZLINE kitchen, the hidden pantry, and finished landscaping. Cosmetic finishes like paint, lighting, and hardware are cheap to change yourself.

When you walk a custom build like this Accord XL, it is easy to assume every dollar spent by the builder comes back at resale. It does not. The rule of thumb is simple: pay the builder for anything that touches structure, plumbing, or the exterior envelope. Do the rest yourself later, on your own timeline, at your own price.

That is why the $100,000 backyard matters so much here. Landscaping a large Kaysville lot to this level after closing means permits, bids, a year of dirt, and writing checks out of pocket after you have already spent your cash on the down payment. Getting it done and wrapped into the purchase is the single biggest time-and-money advantage this home offers.

Want to compare how other builders price these same line items? Start with current Davis County listings and look at what is already finished versus what is still a dirt lot.

What It Really Costs to Own This Home Every Month

Beyond the mortgage, budget for Utah property taxes, high-replacement-cost homeowners insurance, utilities on a large footprint, and ongoing care for the $100,000 landscape package. Ask for the builder's estimated tax figure in writing before you write an offer.

At $2,099,900, the mortgage payment is only part of the story. Buyers at this level get surprised by the carrying costs, not the purchase price. Here is what belongs in your monthly number before you fall in love with the kitchen.

• Property taxes. Utah gives owner-occupied homes a meaningful primary-residence exemption, so an investment or second-home buyer pays noticeably more than a full-time resident on the identical house. Confirm the Davis County figure for this specific parcel, not the model home.
• Homeowners insurance. Premiums track replacement cost, and a custom home with beam work and a high-end kitchen costs more to rebuild than a tract home at the same price.
• Utilities. Big volume ceilings are gorgeous and they cost more to heat in a Northern Utah January. Ask what the builder's HERS rating and insulation package are.
• Landscape upkeep. A $100,000 yard needs water, fertilization, and a spring and fall cleanup to still look like $100,000 in year three.
• HOA dues, if any. Get the amount and what it covers in writing.

None of this should scare you off. It should just be on paper before you write the offer. If you are weighing Kaysville against nearby cities on total cost, the Davis County community guide is a good place to compare.

How Luxury Homes Like This Tend to Hold Value in Davis County

Davis County luxury homes hold value best when they sit on a finished lot in a well-regarded school area with a layout buyers still want. Land, location, and a livable floor plan matter more than any single finish.

The high end of the market is thinner than the middle. There are fewer buyers above $2 million in Davis County than there are between $500,000 and $800,000, which means the right home sells well and the wrong one sits. Understanding which side of that line you are on protects you at resale.

Three things tend to separate the two. First, the lot: a large, finished, usable yard is permanent and cannot be copied by the next builder down the street. Second, the location: Kaysville's schools, walkable downtown, and quick I-15 access keep demand steady even when rates move. Third, the floor plan: a main-floor primary suite and real entertaining space age far better than a trend-heavy finish package.

What does not protect you is a finish nobody else wanted. That is why it pays to buy the structure and the location, then make the cosmetic calls yourself. If you would like to see what has actually sold at this tier over the past year before you commit, call (801) 603-5213 and we will pull the real closed numbers for you rather than guessing from list prices.

Who This Kaysville Home Is Actually Built For

This home fits a buyer who entertains, works from home, and wants the yard finished on day one. It suits established families, relocating executives, and senior military or contractor families near Hill AFB who are done with projects.

Not every million-plus buyer wants the same house. This Accord XL is built for a very specific person, and knowing whether that is you saves a lot of touring.

• The entertainer. The beamed great room, the ZLINE chef kitchen, and that backyard were designed to hold a crowd. If you host holidays, team dinners, or a church group, this layout earns its keep.
• The family that is done with projects. You get a brand-new home and a finished yard. That combination is rare and it is the whole reason this one stands out.
• The relocating professional. Moving from California, Texas, or the East Coast, you get a move-in-ready custom home at a price that still reads as reasonable coming from a coastal market.
• Senior military and defense contractors. Colonels, chiefs, and program leads at Hill AFB with a long assignment ahead often want one move, not two. Our PCS relocation guide for Hill AFB walks through timing a purchase around orders.

If you are early in a career, planning a short stay, or you actually enjoy building a yard yourself, a different Kaysville home will serve you better. Browse Kaysville homes and neighborhoods to compare.

What to Inspect Before You Close on a New Build

Yes, hire your own inspector even on a new build. Focus on grading and drainage, the irrigation system, HVAC balance in vaulted rooms, kitchen gas and venting, window and door seals, and everything the builder warranty covers in writing.

Brand-new does not mean flawless. Every home is assembled by people under a deadline, and a custom plan with soaring ceilings and a commercial-grade kitchen has more moving parts than a standard build. Order an independent inspection anyway, before your walkthrough, not after.

Here is what matters most on a home like this one.

1. Grading and drainage. With six figures in landscaping, confirm water runs away from the foundation and the yard drains properly after a storm or a heavy spring melt.
2. Irrigation. Run every zone. Check coverage, heads, and the controller, and get the winterization instructions.
3. HVAC balance. Vaulted, beamed rooms are notorious for hot and cold spots. Ask for the load calculation and test each room.
4. Gas and venting. A commercial-style range needs proper make-up air and a hood that actually moves the volume it claims.
5. Seals and flashing. Windows, doors, and roof penetrations are where Utah's freeze-thaw cycle finds the weak spot.
6. The warranty itself. Get the coverage terms, the length, and the claim process in writing before closing.

Bring your list to the builder walkthrough and get every item acknowledged on paper. We attend these with our clients so nothing gets waved off.

How to Tour This Home or Find One Like It

Call The DIG Team at (801) 603-5213 to schedule a private showing. Bring a current pre-approval and a clear list of must-haves so we can show you comparable Davis County options in the same trip.

Homes at this level move on relationships and timing, not on open houses.

Here is how to make a showing productive:

1. Get pre-approved first. It determines what you can actually write an offer on.
2. Tour comparables the same day. One luxury home in isolation tells you nothing about value.
3. Ask what conveys. Appliances, window coverings, and landscaping warranties should be confirmed in writing.
4. Review the builder warranty. Know the coverage periods before you write.

As a licensed Northern Utah broker working across Davis County and Weber County, I can get you in the door here and show you everything else that competes with it.

Call or text (801) 603-5213, or start by browsing live MLS listings to narrow your list before we meet.

Donald I. Gomez

Broker · The DIG Team at Elevation RE · Weber & Davis County

Donald helps buyers, sellers, and PCSing military families move across Northern Utah — from Ogden to the Wasatch. A longtime Hill AFB-area local, he tours new builds and resale homes every week on his YouTube channel.

Full bio → YouTube Call (801) 603-5213