The neighbor or utility providers have a say if there's an easement, e.g. you can't build as to block their right-of-way access for maintenance purposes, despit

The neighbor or utility providers have a say if there's an easement, e.g. you can't build as to block their right-of-way access for maintenance purposes, despite your ownership over the land. Also the developers and architectural controls can make decisions affecting what you build (down to the color you paint outside), before they turn things over to the city. All subject to local laws of course, so may vary city to city.