395 single-family homes by award-winning Caruso Homes, 18 miles from the Bay Bridge, on 140 acres of Queen Anne's County Eastern Shore. The market's best value for buyers who want a complete community without new-construction prices.
Symphony Village is built-out, stable, and award-winning — three traits that matter for resale buyers who don't want the uncertainty of an active construction community. Caruso Homes built all 395 single-family homes between 2003 and approximately 2010, offering 13 distinct models ranging from 1,401 to 3,320 square feet. The community won three national awards from the National Council on Senior Housing, including Best Active Adult Community in the Country.
The 13,800 sq ft Symphony Club is sized for a community twice as large — meaning residents get access to an indoor pool, aerobics and dance studio, state-of-the-art fitness center, grand ballroom, billiards room, library, and café without elbow-to-elbow crowding. Outdoor amenities include two tennis courts, three bocce ball courts, and walking trails through the community's 62 acres of open space, woodlands, wetlands, and three ponds.
A full-time activities director runs the social calendar. The HOA is resident-controlled (one vote per household). Renters must also be 55+, but only homeowners can vote.
Total acreage: 139.8 acres. Of that, 62.8 acres are residential lots (average lot size 6,929 sq ft), 61.9 acres are open space, and 15 acres are right-of-way. The open space includes 27.8 acres of woodlands and 16.3 acres of nontidal wetlands — real natural buffer, not paper easements.
Centreville is a small county seat of roughly 5,000 people, 18 miles from the Bay Bridge and 35 miles from Annapolis. Easton is 26 miles south; Chestertown is 20 miles north. Bay-area beaches (Ocean City, Delaware) are 90–100 miles east. For buyers seeking genuine Eastern Shore quiet — not suburban density — the location delivers. Medical: University of Maryland Shore Medical Center at Queenstown is 8 miles west; Chester River Hospital Center is 18 miles north in Chestertown.
All models feature dual walk-in closets, two-car garages, oak kitchen cabinets, and tiled bathrooms. Options during construction included lofts, sunrooms, fireplaces, and finished basements — now reflected in varying resale prices for the same model footprint.
| Model | Square Footage | Bedrooms | Baths | Style |
|---|---|---|---|---|
| Allegro | 1,401–1,600 | 2 BR | 2 BA | Ranch |
| Concerto | 1,600–1,900 | 2–3 BR | 2 BA | Ranch |
| Sonata | 1,900–2,200 | 2–3 BR | 2 BA | Ranch/Cape |
| Maestro | 2,200–2,600 | 3 BR | 2–3 BA | Ranch w/ bonus |
| Beethoven | 2,600–3,320 | 3–4 BR | 3 BA | Two-story |
The Symphony Village HOA fee is $290 per month — well-established, with current listings confirming this figure consistently. The HOA covers: lawn maintenance and snow removal, all Symphony Club amenities, common area maintenance, trash collection, and reserve fund contributions. There are no separate condo fees here — every home is a standalone single-family residence, so the $290/mo is the total HOA obligation.
This is meaningfully lower than Four Seasons at Kent Island's estimated $350–$450/month while offering a comparable amenity package per home. The tradeoff: no new construction warranty and no 450-foot pier.
Several Symphony Village resale listings mention solar installations with electric bills as low as $118/month. If you're comparing operating costs, a home with an owned (not leased) solar system can materially change the 10-year ownership equation. Ask explicitly whether any solar equipment is owned outright or under a transferable lease or PPA (power purchase agreement) — the latter transfers liability, not savings.
Queen Anne's County effective tax rate is approximately 0.86%. Centreville is the county seat and does carry a municipal rate on top of the county rate — check the specific property tax bill to confirm the combined rate for the exact address. On a typical $420,000 Symphony Village resale home, expect roughly $3,612/year in combined property taxes.
| Price | Annual Tax (~0.86%) | Monthly Tax | HOA/mo | Total Monthly Fixed |
|---|---|---|---|---|
| $350,000 | ~$3,010 | ~$251 | $290 | ~$541 |
| $420,000 | ~$3,612 | ~$301 | $290 | ~$591 |
| $520,000 | ~$4,472 | ~$373 | $290 | ~$663 |
| $600,000 | ~$5,160 | ~$430 | $290 | ~$720 |
True Cost Guide: Symphony Village
Four Seasons Kent Island vs. Symphony Village
Queen Anne's County Tax Guide
Living on Kent Island vs. Centreville
Homes here sell in days during peak season. Our Eastern Shore specialists know which models hold value best and which finished-basement configurations change the size-to-price equation.
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