I pay a premium for hot-water heating, brick veneer and poured-concrete basements if I have to.

I think you need a new concrete driveway.

I don't see the problem to be compliant with TILA HPML Escrow Rule, do you?

They are small cracks and I brought it up to the builder who responded that concrete cracks and thats why we have a warranty.

However, if you want to buy a home at some point you should probably set a concrete number down for when you feel comfortable doing so.

While I lived there I replaced the flooring throughout the house, I painted the garage floor, had a sprinkler system, sod, and a concrete patio put into the backyard.

While this seems like a huge advantage, typical residential construction consists of tile roofs, stucco siding, concrete block fences, metal doors and windows, slab foundations and desert landscaping (rock), which do not require much maintenance.

It is a major job, the pipe runs under the concrete driveway.

Did you fill the crack with concrete? 

We will be self-financed, developing property that is zoned "by-right" for the intended use, using public water/individual septic tanks, constructing DOT spec roadways, installing concrete sidewalks and offering high-speed cable TV and internet service.