A gated 557-home community in the Disney corridor built by K. Hovnanian — with direct access to Mystic Dunes Golf Club’s 18-hole championship course via golf cart. Here is what it costs, what Osceola County taxes add up to, and what buyers choosing between Four Seasons and Solivita down the road need to understand.
Four Seasons at Orlando is a gated 55+ community in Kissimmee, Florida, built by K. Hovnanian Homes. It is situated within the Mystic Dunes Resort complex, giving residents golf cart access to the Mystic Dunes 18-hole championship golf course — an arrangement that places it in a different golf access category than most communities where course membership is a separate negotiation.
At 557 homes, Four Seasons is a mid-sized community — larger than the boutique developments in the Kissimmee corridor but considerably smaller than Solivita’s 5,900-home scale. The community sits in Osceola County, approximately 15 minutes from Disney World, sharing the corridor’s access advantages and traffic realities.
The 12,000 square foot clubhouse anchors community amenities including gathering rooms, a card room, fitness center, and resort pool. The intimate scale of 557 homes creates a different social dynamic than the large-community environments of Solivita or Twin Lakes — residents report knowing their neighbors more quickly and a tighter community culture.
| HOA Fee | ~$265/month — covers clubhouse, amenities, common areas. Golf at Mystic Dunes requires separate course membership or daily fees; it is adjacent and golf cart accessible but not included in HOA. |
| CDD Assessment | Verify per parcel — Osceola County communities in this corridor frequently carry CDD assessments. Request prior year tax bill from seller before making any offer. |
| Property Tax County | Osceola County — approximately 0.93% effective rate |
| Property Tax on $450K Home | ~$4,185/year (~$349/month) before homestead exemption |
| After Homestead Exemption | ~$3,720/year (~$310/month) |
| Golf at Mystic Dunes | Golf cart accessible but requires Mystic Dunes membership or daily fees — not included in HOA. Price out separately if golf is a regular activity. |
| Home Insurance (est.) | $1,900–$3,200/year — Kissimmee corridor insurance rates are elevated relative to Lake County communities. Get a specific quote before closing. |
| Cost Item | Monthly Estimate |
|---|---|
| HOA Fee | ~$265 |
| Property Tax (after homestead) | ~$310 |
| Homeowner’s Insurance | ~$217 |
| Total Non-Mortgage Monthly (excl. CDD) | ~$792/month |
CDD not included — verify per phase. Golf membership adds ~$100–$200/month if applicable. Does not include mortgage or utilities.
K. Hovnanian’s Four Seasons brand is one of the few 55+ competitors to Del Webb with a distinct national identity and dedicated age-restricted product line. In Central Florida, comparing a K. Hovnanian home to Del Webb requires looking at specific floor plans rather than assuming either builder is categorically superior.
What buyers consistently note about K. Hovnanian Four Seasons construction: Floor plans tend toward more traditional layouts rather than open-concept designs favored by newer Del Webb product. Lot sizes in the Kissimmee Four Seasons community are generally generous relative to comparable price points. K. Hovnanian’s warranty and customer service track record in Florida is mixed — buyers purchasing resale should specifically inspect for any unresolved warranty issues from prior owners, which can surface as negotiating points.
Golf cart access to Mystic Dunes is not included golf. This is one of the most commonly misunderstood features of this community in online research. Residents can golf cart to Mystic Dunes Golf Club — but playing requires purchasing a membership or paying daily fees. It is not a Solivita-style golf-inclusive arrangement. For regular golfers, price out the Mystic Dunes membership specifically and add it to your all-in monthly cost model.
557 homes creates a genuinely different community feel. Buyers who have toured Solivita and felt overwhelmed by the scale and density of organized activity often find Four Seasons’ size more comfortable. The trade-off is fewer amenities and a smaller pool of social connections within the community. Neither scale is objectively better — this is a buyer preference variable that deserves honest self-assessment.
Osceola County tax rate is the highest in the metro. At approximately 0.93% effective rate, Osceola County carries meaningfully higher property taxes than Lake County (0.85%) — roughly $360/year more on a $450K home before exemptions. Over 20 years that gap exceeds $7,200. This is not a reason to avoid Four Seasons if the community otherwise fits, but it belongs in every honest cost comparison with Clermont-area alternatives.
Disney proximity traffic applies here. Four Seasons sits approximately 15 minutes from Disney World. The same I-4 and US-192 traffic realities that affect Del Webb Oasis apply here on a slightly lesser scale. Test your daily commute routes before closing, particularly if you will make regular trips to Downtown Orlando, MCO, or specialist medical facilities.
AdventHealth Kissimmee is 20 minutes away. Adequate hospital access for most needs. The full Lake Nona Medical City campus is 45+ minutes — farther than communities in St. Cloud. For buyers managing chronic conditions requiring frequent specialist visits, the eastern corridor communities (Twin Lakes, Del Webb Sunbridge, VillageWalk) have materially better healthcare proximity.
| Walt Disney World | ~15 minutes north via US-192 |
| Mystic Dunes Golf Club | Golf cart accessible — on adjacent property |
| AdventHealth Kissimmee | ~20 minutes north |
| Poinciana Medical Center | ~20 minutes south |
| Orlando International Airport | ~35 minutes northeast |
| Downtown Orlando | ~40 minutes via I-4 |
| Lake Nona Medical City | ~45 minutes northeast |
| Solivita (comparison community) | ~15 minutes south in Poinciana |
We can run your Four Seasons cost analysis, Osceola County tax math, and golf membership pricing before you schedule any tours.