Speaking from the U.S. perspective, how a typical suburban developement works is that a developer well buy a farm and then build the roads, sewers, electrical. You need roads to get to the home site and power to build the house and the sewer has to be ready when the first house is and goes under the road that’s needed to get to the house sites. The developer will sell individual lots to spec builder. When all the lots are sold the developer turns the streets over to the city or the homeowner’s association.
Schools are another matter. Voters need to approve taxes to build schools, so they generally lag behind. If a new school is needed they generally put the kids on the bus and shove them into an old school for a while before a new one is built.
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