Both sit in Queen Anne's County — same ~0.86% tax rate. But that's where the similarity ends. One is the market's most ambitious new construction; the other is a established resale community with a $290/month confirmed HOA. Here's how they compare.
| Factor | Four Seasons at Kent Island | Symphony Village |
|---|---|---|
| Location | Chester (Kent Island) | Centreville, Queen Anne's County |
| Homes (planned) | 1,079 planned, active construction | 395 homes — fully built out (resale) |
| Builder | K. Hovnanian (active) | Caruso Homes (resale market) |
| Home type | SFH from $600K; condos from $500K | SFH only — 13 Caruso floor plans |
| Price range | $499K–$900K+ (pre-design-center) | $280K–$480K |
| HOA / month | Est. $350–$450/mo (builder-set) | $290/mo confirmed (resident-controlled) |
| County tax rate | ~0.86% (Queen Anne's) | ~0.86% (Queen Anne's) |
| Build status | New construction — under builder control | Fully built; resident-run HOA since ~2015 |
| Bay/water access | Chester River/Bay adjacency (site amenity) | No water access (inland) |
| Flood zone risk | Moderate — Kent Island geography | Low — inland Centreville location |
| HOA governance | Builder (declarant control) | Resident board — fully transitioned |
| Reserve fund | Unknown — builder set | Known — request from board |
| Distance to Bay Bridge | ~3 miles | ~15 miles |
| Distance to Annapolis | ~17 miles (Bay Bridge) | ~22 miles (no bridge needed) |
The communities don't fully overlap on price — Symphony Village tops out around $480K while Four Seasons starts at $500K+ before upgrades. But in the $480K–$530K zone (Symphony Village upper range vs. Four Seasons condo entry), the cost comparison is direct:
| Scenario | Price | Tax (0.86%) | HOA/Yr | Ins+Maint | Annual Total |
|---|---|---|---|---|---|
| Symphony Village (upper) | $450,000 | $3,870 | $3,480 | $7,200 | $14,550 |
| Symphony Village (peak) | $480,000 | $4,128 | $3,480 | $7,680 | $15,288 |
| Four Seasons KI Condo (base) | $520,000 | $4,472 | $4,800 | $8,320 | $17,592 |
| Four Seasons KI SFH (base+typical upgrades) | $720,000 | $6,192 | $5,100 | $11,520 | $22,812 |
Choose Four Seasons at Kent Island if your budget is $600K+, you want new construction with customization, Bay/water proximity matters to your lifestyle, and you're comfortable with the additional due diligence required for new builds in a flood zone.
Choose Symphony Village if you want cost certainty — a known HOA, established comps, no design center surprises — and your budget is in the $280K–$480K range. It's the better financial-risk choice for buyers who want predictable carrying costs from day one, don't need water access, and value HOA transparency over resort branding.
Running this comparison for your specific numbers?
A local buyer's agent can pull current comps at Symphony Village and K. Hovnanian's current pricing and incentive structure at Four Seasons KI — in one conversation.
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