Four Seasons at Metedeconk Lakes: The Complete True Cost of Jackson's Premium Gated Community
Gated, wooded, and the most premium of the Jackson Four Seasons communities. Full 10-year carrying cost, the lot-premium pricing factor, and the net cost after NJ relief programs.
The Headline Number
For a 65-year-old couple with $120,000 joint income buying a $620,000 home at Four Seasons at Metedeconk Lakes with 30% down ($186,000), the all-in 10-year cost after all three NJ relief programs is approximately:
About $51,540 per year all-in. Metedeconk Lakes is the premium tier of Jackson's Four Seasons trio — gated, wooded lots, larger homes, and pricing to match.
Full Line-Item Breakdown
| Category | Year 1 | 10-Year Total | Notes |
|---|---|---|---|
| Mortgage P&I | $33,852 | $338,520 | $434,000 loan @ 6.75%, 30yr |
| Property Tax | $9,579 | $99,200 | 1.55% Jackson Township |
| HOA Fee | $3,540 | $38,900 | $295/mo, gated + wooded grounds |
| Insurance | $2,480 | $24,800 | Premium home value |
| Maintenance | $6,200 | $62,000 | 1% of value/yr |
| ANCHOR | –$1,750 | –$17,500 | 65+, income ≤$150K |
| Stay NJ | –$3,040 | –$30,400 | 50% of gross, net of ANCHOR |
| Net Total | $50,861 | ~$515,400 |
The Gated + Wooded Premium: What You're Paying For
Metedeconk Lakes prices roughly $75,000 above South Knolls for ostensibly the same builder (K. Hovnanian) in the same township (Jackson). The premium reflects three things:
- Gated entry — controlled access, which some buyers value for security and exclusivity
- Wooded lots — larger, more private, tree-buffered home sites versus the more open South Knolls layout
- Larger home selection — Metedeconk's floor plans skew larger, pushing the price range up to $800K at the top end
Same Town, Same Rate: The Jackson Tax Advantage Applies Equally
Both Metedeconk Lakes and South Knolls pay Jackson's 1.55% rate. The tax saving versus a comparable Barnegat home (1.95%) is even larger here because of the higher home value — on a $620K home, Jackson's rate saves approximately $2,523/year versus Barnegat, or about $25,200 over 10 years.
Net Carry After Relief
| Pure Carry Component | Annual |
|---|---|
| Property Tax | $9,579 |
| HOA | $3,540 |
| Insurance | $2,480 |
| Maintenance | $6,200 |
| Less ANCHOR + Stay NJ | –$4,790 |
| Net Annual Carry | ~$17,009 ($1,417/mo) |
Related Pages
Metedeconk Lakes Community Overview →What Nobody Tells You About Metedeconk Lakes →South Knolls (same town, lower price) →Jackson vs. Barnegat Comparison →Ocean County Hub →Compare the Two Jackson Communities
An expert can model Metedeconk Lakes vs. South Knolls on your budget and show whether the gated/wooded premium fits your priorities.
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