K. Hovnanian's flagship 55+ community on Maryland's Chesapeake Bay: 1,079 planned homes, an active build-out, a 24,000 sq ft waterfront clubhouse. Luxury condos from $499K; single-family from $599K; River Series from $702K.
Four Seasons at Kent Island is K. Hovnanian's largest active 55+ project in the Mid-Atlantic. At full build-out, the community will contain 1,079 homes across several product lines: 35-foot River Series single-family homes, 40-foot Bay Series single-family homes, and Luxury Condo flats. As of mid-2025, the community is actively selling in multiple phases, with new sections opening regularly.
The centerpiece is the Chester House — a 24,000 sq ft waterfront clubhouse on the Chester River. The clubhouse includes a fully equipped fitness center, indoor lap pool, resort-style outdoor pool and deck, tennis and pickleball courts, bocce courts, a dog park, and an amphitheater. A 450-foot fishing pier extends over the Chester River, and a canoe and kayak launch connects to the Chesapeake Bay via the broader waterway system. A full-time lifestyle director runs the programming calendar.
Location math: Kent Island sits 17 miles east of Annapolis, 40 miles from Baltimore, and 45 miles from Washington DC — all accessible via Route 50 over the Bay Bridge. The community's entrance on Route 213 in Chester places it within 10 minutes of Kent Island waterfront dining, the Cross Island Trail (7 miles of paved trail), and Queenstown Premium Outlets.
K. Hovnanian offers four designer interior "Looks" (Elements, Loft, Farmhouse, Classic) across all product lines — but the structural differences between series matter more than the finish packages for most buyers.
| Series | Price Range | Square Footage | Bedrooms | Garage |
|---|---|---|---|---|
| 35' River Series | $702K–$890K | 1,756–2,488 sq ft | 2–3 BR | 2-car |
| 40' Bay Series | $599K–$780K | 1,500–2,200 sq ft | 2–3 BR | 2-car |
| Luxury Condos | $499K–$699K | 1,400–2,602 sq ft | 2–3 BR | 1-car garage |
K. Hovnanian periodically advertises incentive packages up to $75,000 that cannot be combined with other offers. In practice, these packages are typically applied toward design center upgrades, closing costs, or rate buydowns — not home price reductions. The base price stays fixed; what changes is how much of the upgrade spend the builder absorbs. Before evaluating any incentive offer, establish the base price of your specific lot and plan, then determine what the incentive covers.
K. Hovnanian does not publish HOA fees in a centralized, transparent format on their sales materials. Based on comparable Four Seasons communities in other markets and buyer-reported data, the Four Seasons at Kent Island HOA is estimated at $350–$450 per month for single-family homes. Condo fees may include building-specific components that add to this figure.
Before signing a purchase contract, request the current CC&Rs, the HOA budget, the reserve study, and the most recent annual assessment notice. Maryland law requires these documents be provided before closing, but you want them during negotiation — not after you're under contract.
Queen Anne's County's combined effective property tax rate runs approximately 0.86% — meaningfully lower than Anne Arundel's 1.09%. On a $700,000 Four Seasons single-family home, expect roughly $6,020/year in property taxes. The county does not impose a city/town rate on Chester, so residents pay only the county plus state rates.
| Home Price | Annual Tax (0.86%) | Monthly Tax | Est. HOA/mo | Monthly Fixed (tax + HOA) |
|---|---|---|---|---|
| $500,000 | ~$4,300 | ~$358 | ~$400 | ~$758 |
| $650,000 | ~$5,590 | ~$466 | ~$400 | ~$866 |
| $750,000 | ~$6,450 | ~$538 | ~$400 | ~$938 |
| $850,000 | ~$7,310 | ~$609 | ~$400 | ~$1,009 |
The buy-Kent-Island-over-Annapolis decision comes down to three factors: (1) property tax savings of roughly $1,265/year on a comparable $550,000 home, (2) waterfront lifestyle access at lower prices than Annapolis proper, and (3) the lower-density Eastern Shore pace of life versus the suburban Annapolis corridor. The tradeoff is the Bay Bridge — if you're commuting to DC or Baltimore regularly, adding 17 miles and potential bridge delays is real friction.
For buyers who've left the commute behind, Kent Island consistently wins on value. For buyers who need Metro or BWI access multiple times per week, the calculation reverses.
With 1,079 planned homes and construction ongoing across multiple phases, Four Seasons at Kent Island will have construction activity in the community for years. Early buyers get first lot selection, lower prices, and maximum years of enjoyment — but also live adjacent to active construction noise and staging areas. Ask the sales team for the current build-out map and which phases are actively under construction. The 10-year cost comparison also assumes HOA fees are fully funded once build-out is complete; during construction, the HOA budget may be partially subsidized by the builder (declarant-controlled period). Transition of control to homeowners is a key milestone to understand.
True Cost Guide: Four Seasons at Kent Island
What Nobody Tells You: Four Seasons at Kent Island
Four Seasons KI vs. Symphony Village: Full Comparison
Living on Kent Island, MD
Queen Anne's County Tax Guide
Our network includes buyers' agents who know K. Hovnanian's contract terms, standard addenda, and which lots in each phase offer the best long-term value. We don't represent the builder.
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