K. Hovnanian shows you the base price. This page shows you the purchase-day total, the 10-year fixed cost structure, and the design center decisions that can add $50,000–$150,000 before you close.
Have questions about what you're reading? A specialist can walk you through real costs, honest comparisons, and what's actually available right now — free, no obligation.
Talk to a Specialist →New construction at Four Seasons at Kent Island starts with a base price — but the median buyer closes significantly above that number. K. Hovnanian's design center upgrades, structural options, and lot premiums are the mechanism. Here's a realistic picture of how buyers arrive at their final purchase price:
| Cost Component | Range | Notes |
|---|---|---|
| Base home price (35' River Series) | $702K–$890K | Published starting price |
| Lot premium | $0–$80K+ | Corner lots, end-of-street, water-view positions |
| Structural options | $15K–$60K | Sunrooms, extended garages, finished basements, morning rooms |
| Design center upgrades | $30K–$120K | Cabinetry, flooring, countertops, appliances, electrical |
| Closing costs | $15K–$25K | 2–3% of final price; may be partially covered by incentive |
| Realistic all-in purchase cost | $750K–$1.1M+ | Most buyers land $800K–$950K on River Series |
Builder design centers are optimized to extract upgrade spending at the moment buyers are most emotionally invested in their home. K. Hovnanian offers four interior "Looks" (Elements, Loft, Farmhouse, Classic) — but each Look is the base; the upgrades within each Look add cost. Buyers who go through a design center appointment without a predetermined budget consistently spend more than they intended. Establish a maximum upgrade budget before the appointment, not during it. Every $10,000 spent at the design center adds roughly $65/month to a 30-year mortgage at 7% — run those numbers first.
Assumptions: $750,000 all-in base (modest upgrades), Queen Anne's County 0.86% effective tax rate, HOA estimated $400/month escalating 3%/year, 4% annual appreciation (new construction premium in appreciating market).
| Year | Home Value | Annual Tax (0.86%) | HOA (Annual) | Total Annual Fixed | Cumulative |
|---|---|---|---|---|---|
| Year 1 | $728,000 | $6,261 | $4,800 | $11,061 | $11,061 |
| Year 2 | $757,120 | $6,511 | $4,944 | $11,455 | $22,516 |
| Year 3 | $787,405 | $6,772 | $5,092 | $11,864 | $34,380 |
| Year 4 | $818,901 | $7,043 | $5,245 | $12,288 | $46,668 |
| Year 5 | $851,657 | $7,324 | $5,402 | $12,726 | $59,394 |
| Year 6 | $885,723 | $7,617 | $5,565 | $13,182 | $72,576 |
| Year 7 | $921,152 | $7,922 | $5,731 | $13,653 | $86,229 |
| Year 8 | $957,998 | $8,239 | $5,903 | $14,142 | $100,371 |
| Year 9 | $996,318 | $8,568 | $6,080 | $14,648 | $115,019 |
| Year 10 | $1,036,171 | $8,911 | $6,263 | $15,174 | $130,193 |
A $750,000 Four Seasons at Kent Island home in Queen Anne's County (~0.86%) carries an estimated Year 1 tax of $6,450. The equivalent home in a Virginia 55+ community at typical Northern Virginia rates (~1.0–1.1%) would run $7,500–$8,250. Maryland buyers moving from NoVA often discover Queen Anne's County is tax-friendlier than where they came from — an underappreciated selling point for the Eastern Shore.
We connect buyers with agents who know this market from the inside — real cost math, honest comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder. No scripts, no pressure.
Four Seasons at Kent Island is an active build-out of 1,079 homes. During the construction period — which will span multiple years — the HOA is typically under "declarant control," meaning the builder controls the HOA board and sets fee structures. Once a threshold of homes is sold (typically 75–90%), control transfers to homeowners. The transition period can bring HOA fee resets as homeowners inherit the true cost of amenity maintenance without builder subsidy. Ask the sales team: what is the current HOA fee, is it builder-subsidized, and what is the expected fee post-declarant-control transition?
| Metric | Four Seasons KI ($750K) | Heritage Harbour SFH ($550K) |
|---|---|---|
| Year 1 property tax | ~$6,450 | ~$5,995 |
| Year 1 HOA | ~$4,800/yr | $2,112/yr |
| Year 1 total fixed | ~$11,250 | ~$8,107 |
| 10-yr cumulative fixed | ~$138,000 | ~$105,000 |
| New construction warranty | Yes (builder) | No (resale) |
| Appreciation potential (10-yr) | Higher (new, growing market) | Moderate (established) |
Four Seasons at Kent Island: Full Profile
What Nobody Tells You: Four Seasons Kent Island
Four Seasons KI vs. Symphony Village
All 10 Communities: 10-Year Cost Table
Our buyer specialists can help you prioritize upgrades that hold resale value versus those that are pure lifestyle spend — before you're sitting across from a builder design consultant.
Get Independent Buyer GuidanceConnect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
Connect with a Specialist →