Cost Research · The Estuary · Millsboro, DE

Four Seasons at The Estuary — True Cost 2026

The HOA fee is one line item of six. Here is the full all-in monthly cost picture across entry, mid, and upper price points at The Estuary.

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Three Price Scenarios

The Estuary spans roughly $350K–$700K+ across floor plans and lot positions. These scenarios bracket the realistic buyer range.

Entry — $390K

HOA fee~$260/mo
Property tax~$140–$182/mo
Insurance~$110–$155/mo
Utilities~$170–$230/mo
Total (ex-mortgage)~$680–$827/mo

Mid — $500K

HOA fee~$260/mo
Property tax~$179–$233/mo
Insurance~$145–$200/mo
Utilities~$190–$255/mo
Total (ex-mortgage)~$774–$948/mo

Upper — $625K

HOA fee~$260/mo
Property tax~$224–$292/mo
Insurance~$175–$240/mo
Utilities~$210–$280/mo
Total (ex-mortgage)~$869–$1,072/mo
Verify the HOA fee directly before budgetingThe ~$260/month figure reflects data available as of 2025–2026. Confirm the current amount with the Four Seasons at The Estuary HOA or K. Hovnanian sales team before finalizing any financial plan.
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What the HOA Fee Replaces

The ~$260/month HOA fee is not pure cost — it replaces lawn maintenance (mowing, edging, fertilizing, irrigation upkeep in most sections), which runs $1,800–$2,400/year from local lawn services in this market. It also covers snow removal on community roads and full access to The Lodge clubhouse, pools, fitness center, and courts.

Same Sussex County tax advantage as every coastal Delaware communityDelaware has no state sales tax, exempts Social Security from state income tax, and offers a $12,500-per-person pension and retirement income exclusion for residents 60 and older. These advantages apply at The Estuary exactly as they do anywhere else in Sussex County.

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