New boutique construction vs the established market — what the honest comparison shows
| Category | FS Carolina Oaks | Sun City HH | The Haven | Latitude Margaritaville |
|---|---|---|---|---|
| HOA / Month | ~$265 | $224–$295 | ~$254 | $329–$375 |
| Closing Add-Ons (resale) | $1,400 — lowest | ~$5,285+ | ~$7,917+ | ~$3,000 est. |
| Homes | ~400 | 8,000+ | ~500 | 3,000 planned |
| Price Range | $400K–$700K | $330K–$800K+ | $400K–$650K | $300K–$600K+ |
| Builder | K. Hovnanian | Del Webb | Del Webb | Minto |
| Clubhouse Age | 2024 — newest | 1995–2026 (varies) | 2010s | 2019–present |
| New Construction Active | Yes | Limited | Very limited | Yes |
| Lawn Care Included | No | Varies | Yes | Varies |
| Golf On-Site | No | 54 holes | No | No |
| Community Age | 2022–present | 1995–present | 2010s | 2019–present |
| Downtown Bluffton | ~10 min | ~15 min | ~10 min | ~25 min |
Four Seasons at Carolina Oaks has the lowest resale entry cost of any 55+ community in the Bluffton market. On a $500,000 resale purchase, buyers save $3,885 vs Sun City and $6,517 vs The Haven at closing. That is not a rounding error — it is money that can fund two or three years of HOA or pay down a mortgage. When total acquisition cost matters, Four Seasons wins this comparison clearly.
The buyers who choose Four Seasons Carolina Oaks over Sun City typically cite three things: newer home designs that feel modern rather than cookie-cutter, lower total acquisition cost, and a boutique community scale. They are not golfers, do not need 150 clubs, and are comfortable being part of a community that is still developing its social culture. Many have visited Sun City and found the scale overwhelming — 8,000 homes is genuinely hard for some people to envision as a neighborhood.
Sun City wins for buyers who want maximum amenity depth, on-site golf, and the reassurance of a 30-year proven community with deep resale liquidity. It is not a close call for those buyers — Sun City is the right answer. But for buyers who do not check those boxes, Four Seasons at Carolina Oaks delivers more relevant value.
Tell us your priorities and we will run the all-in cost numbers for your specific situation and home price.
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