As of late October 2026, the builder has four move-in-ready homes left in Tidewater, all on Maynard Lane. Each listing carries a "savings" label of $45,000 to $68,000. The same builder's Charleston sales page advertises a rate buydown, but its fine print says the offer was only for contracts written and closed by September 30, 2026. The county market report, which most buyers use as a reference point, says outright that it does not count concessions.

Put together, that means much of the discounting in Tidewater never shows up in the numbers buyers compare. If you're weighing a resale here against a new home a few doors down, the sticker prices alone won't tell you which one costs less.

Start With the Deadline in the Fine Print

The Dream Finders Homes Charleston sales event page leads with "Save up to $102,000 on select homes," monthly payments "as low as $1,110," and "Low rates starting at 5.49% (APR 6.247%)." The footnote adds the conditions. The 5.49% rate comes from a builder-paid forward commitment to buy down market rates, and it isn't necessarily available on every loan program. To receive the incentives, buyers have to use Jet HomeLoans, although that company doesn't have to be the lender on the loan. The offer is described as "Only available in select communities on select inventory for contracts written and closed by September 30, 2026."

That date has passed. The Tidewater community pages, meanwhile, show a separate banner: "Interest Rates Starting at 2.99% (5.959% APR)." That banner links to the same Charleston event page, and the page doesn't give separate Charleston terms for the 2.99% figure.

So as of this week, a buyer touring Maynard Lane can't count on any particular rate. The current terms come from the builder's sales team, in writing, on the day you ask. This post is general information, not financial or legal advice. Confirm any loan terms or incentive conditions with your own lender and attorney before relying on them.

Three Lockwoods on One Street, Three Prices

Here is the move-in-ready inventory the builder lists in Tidewater as of late October 2026:

Three of these homes use the same 3,020-square-foot Lockwood plan, yet their prices are $50,586 apart. The cheapest works out to about $172 per square foot and the most expensive to about $189. Their savings labels, though, fall within $3,000 of each other. Similar discounts on very different prices mean the builder started each home from a different reference price. Lot, options and finishes probably account for part of the gap, but the listings don't break that down. 774 Maynard is listed in the builder's 50-foot collection, while 739 and 726 are in the 60-foot collection.

The Carson tells a similar story. Its base price is $474,990, but the move-in-ready Carson at 745 Maynard is listed at $509,990, and it has the largest savings label of the four. The builder's page describes it as having a primary bedroom downstairs, a freestanding tub and a finished attic.

What "Savings" Is Measured Against

The individual listing for 726 Maynard Lane shows two prices side by side: $612,321 and $564,990. The difference is $47,331, which matches the "$47K" label after rounding. The builder's pages don't publish a general definition of how savings are calculated, so for 726 Maynard the $612,321 is the reference point, and the other homes presumably have their own.

This matters to a resale buyer because the Tidewater pages also advertise a figure that doesn't match what's for sale today. Both the 50-foot and 60-foot collections show "Starting at $429,990" across eight floor plans. The plans range from the Woodbridge + Bonus Room at $429,990 to the Holland at $557,990, with sizes from 2,136 to 3,839 square feet. None of the move-in-ready homes is listed anywhere near that starting price.

So three different prices are attached to a new Tidewater home. There's the plan's base price, the builder's reference price and the listed price. A resale home next door has just one asking price, and buyers will hold it up against whichever of the builder's three numbers looks best for them.

Why a National Sales Event Reaches Maynard Lane

Tidewater was built as a Crescent Homes community. Dream Finders Homes announced in February 2024 that it had bought Crescent's core homebuilding assets. The deal included 457 homesites, a backlog of about 460 homes worth more than $265 million, and about 6,200 controlled lots. In its SEC filing, the company dates the acquisition to February 1, 2024 and reports $231.9 million in total consideration, $210.4 million of it in cash. The company's Crescent transition page says Crescent "is now part of" Dream Finders, with the same people and a new name.

The new ownership matters for pricing on the street. A builder that runs across many states can fund rate buydowns through a company-wide sales event and a preferred lender, and it can roll those offers out market by market. The national event page describes the promotion as covering "select quick move-in homes." Building payment help into the deal lets the builder keep a home's listed price higher than a straight price cut would. Each of those listed prices later becomes a comparable sale in Tidewater.

The County Numbers Leave This Out

The Charleston Trident Association of REALTORS® publishes local reports. Its September 2026 figures, current as of October 9, 2026, are the most recent available this week:

• Berkeley County, single-family detached, September 2026: median sales price $430,000, up 4.9% from September 2025. Homes sold in a median 48 days and received 96.9% of original list price. Inventory was 1,176 homes.
• Greater Summerville, Areas 62 and 63, September 2026: median sales price $396,150, down 1.4% year over year. Days on market rose 32.4% to 49, sellers received 96.7% of original list price, and inventory was up 8.7% at 686 homes.
• Charleston Trident region, September 2026: 3.6 months of supply across the MLS.

CTAR doesn't report Cane Bay as its own area, so these are the closest available figures. The footnote on the Berkeley County report is the part that matters most here. Its price and percent-of-list figures "Does not account for sale concessions and/or downpayment assistance."

That leaves out how most builder discounting happens. When a sale includes a builder-paid rate buydown, the recorded price is the full price, and the 96.9% figure counts it as a near-full-price sale. A Tidewater resale seller who sees sellers getting 96.9% of list may assume buyers have little room to negotiate. In practice, the competing home a few doors down may be offering a lower monthly payment that never appears in the report.

Days on market point the same way. In Greater Summerville, median days on market rose by about a third year over year, and inventory grew. In a slower market, a builder with finished homes to sell has the most reason to keep offering incentives.

Comparing a Resale and a Builder Home Line by Line

For a buyer deciding between a Tidewater resale and a move-in-ready builder home, the useful comparison is the full deal on each side. Ask for these in writing:

1. The listed price and any reference price. On builder homes, ask what the "savings" figure is measured from, since the listings don't define it.
2. Every incentive and its deadline. The 5.49% offer printed on the Charleston page expired September 30, 2026, so ask which offer applies to the specific address you're considering and when it ends.
3. Lender conditions. The builder's footnote ties incentives to using Jet HomeLoans. Get a quote from your own lender too, so you can compare the full cost of each loan.
4. What the resale seller will contribute. Since CTAR's figures leave out concessions, the asking price on a resale doesn't tell you everything the seller may be open to.
5. The lot and collection. Three Lockwoods on the same street span about $50,000, so compare the specific homesites rather than the floor plan name.

Once the total cost and terms of each option are written down side by side, you can compare the two homes directly.

Quick Answers

Is Tidewater still being built by Crescent Homes? The Tidewater pages now carry Dream Finders Homes branding. Dream Finders bought Crescent's core homebuilding assets in February 2024.

How many new homes are available in Tidewater right now? As of late October 2026, the builder lists four move-in-ready homes, all on Maynard Lane. One is in the 50-foot collection and three are in the 60-foot collection. The builder lists the community's address as 399 Wappoo Trace Lane.

Does the county median reflect builder discounts? No. CTAR's September 2026 reports say their price and list-price-received figures don't account for seller concessions or down payment assistance.

If you're pricing a Tidewater home for sale or comparing a resale with one of the move-in-ready homes on Maynard Lane, The Angela Miller Team can put the current builder offers and the resale options side by side for you. Request a free home valuation and neighborhood guide, and we'll start with the full cost of each option, not just the listed prices.