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.
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.
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.
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