El Dorado Hills, CA — El Dorado County — 460 Homes — K. Hovnanian — Resale Only
Rolling foothills 30 minutes from Sacramento near Folsom Lake. Olympic heated lap pool, 12,500 sq ft clubhouse, tennis, bocce, shuffleboard. Established resale community — all inventory available now.
El Dorado County effective tax rate of approximately 1.15% — between Placer County (1.12%) and Sacramento County (1.19%). At the community average price of $730K, here is what ownership actually costs per month.
| Cost Item | Monthly | Annual | Notes |
|---|---|---|---|
| HOA — Master (est.) | ~$250 | ~$3,000 | K. Hovnanian Four Seasons brand; 460 homes sharing 12,500 sq ft clubhouse infrastructure — verify current rate |
| Property Tax | ~$699 | ~$8,395 | El Dorado County ~1.15% on $730K; Prop 13 caps annual growth at 2% |
| Homeowners Insurance | ~$180 | ~$2,160 | El Dorado Hills is adjacent to moderate fire risk areas; confirm specific parcel zone before binding coverage |
| Electric Utility (PG&E) | ~$220 | ~$2,640 | El Dorado Hills is PG&E territory; no solar standard here unlike Heritage EDH — budget full PG&E exposure |
| Lawn/Exterior Maintenance | ~$80 | ~$960 | Owner responsibility; common areas maintained by HOA |
| Total Monthly Carrying Cost | ~$1,429 | ~$17,155 | Excludes mortgage; no solar offset increases utility cost vs. Heritage EDH |
Unlike Heritage El Dorado Hills where Lennar includes solar on every home, Four Seasons at El Dorado Hills has no solar standard. K. Hovnanian built these homes between the late 2000s when solar was not standard practice. Current resale homes may or may not have solar depending on what the previous owner installed. When evaluating listings, confirm solar status (owned vs. leased vs. none) and request historical utility bills. A non-solar PG&E home in El Dorado Hills running significant summer air conditioning will see $300–$450/mo electric bills in July and August. An owned solar system correctly sized can reduce that to $80–$150/mo in net billing charges. The solar status of any specific home is a material financial variable at this community.
Four Seasons at El Dorado Hills has a temperature-controlled Olympic-size lap pool. This is not a standard community amenity — most Sacramento area 55+ communities have resort-style pools designed for recreation, not serious lap swimming. The Four Seasons pool serves the subset of active adults who swim for fitness and need a genuine lap facility. If swimming is central to your fitness routine, this is a meaningful point of differentiation. No other community in the El Dorado Hills 55+ market has an equivalent facility.
| Year | Annual HOA | Annual Tax | Utilities + Insurance | Total Annual |
|---|---|---|---|---|
| Year 1 | $3,000 | $8,395 | $4,800 | $16,195 |
| Year 3 | $3,245 | $8,731 | $5,140 | $17,116 |
| Year 5 | $3,510 | $9,079 | $5,500 | $18,089 |
| Year 10 | $4,261 | $10,020 | $6,610 | $20,891 |
| 10-Year Total | ~$36,700 | ~$92,800 | ~$55,500 | ~$185,000 |
Assumes 4% HOA inflation, Prop 13 2% tax cap, 5% utility/insurance inflation without solar mitigation. Compare to Heritage El Dorado Hills (~$170,700) — the ~$14,300 gap over 10 years is primarily the utility difference from solar vs. no solar.
PG&E rates in El Dorado Hills make a post-purchase solar installation financially compelling. A 6–8kW system sized for a 1,800–2,400 sq ft home costs approximately $16,000–$22,000 after the 30% federal solar tax credit. At current PG&E rates, payback period runs 5–7 years. After payback, the system generates 15–20 years of substantially reduced electric bills. If you are buying a non-solar Four Seasons at El Dorado Hills home, factor a solar installation into your total acquisition cost estimate. Many buyers negotiate a price reduction to offset this cost when purchasing non-solar inventory.
The 12,500 sq ft clubhouse is the amenity anchor. At 460 homes it is well-proportioned for the community size — not the resort scale of Heritage EDH's dual clubhouses, but substantial for a community this intimate.
K. Hovnanian built Four Seasons at El Dorado Hills with nine floor plans across a meaningful size range. All homes are resale — no new construction is available.
| Size Range | Bedrooms | Bathrooms | Garage |
|---|---|---|---|
| 1,389–1,650 sq ft | 2 | 2 | 2-car |
| 1,650–2,200 sq ft | 2–3 | 2–2.5 | 2-car |
| 2,200–3,245 sq ft | 3–4 | 2.5–3 | 2 or 2.5-car |
Homes at the larger end of the range often sit on premium lots — hillside lots with views toward Folsom Lake or the Sierra Nevada foothills carry meaningful price premiums. When comparing listings, factor in lot type: a standard interior lot at $700K and a view lot at $780K may represent similar value depending on how much you prioritize the outdoor setting. El Dorado Hills terrain means view lots are genuinely available and genuinely different from interior lots — not a marketing distinction.
El Dorado Hills sits at the base of the Sierra Nevada foothills, 30 miles east of Sacramento on US-50. Folsom Lake State Recreation Area — with swimming beaches, boating, fishing, 80 miles of hiking and biking trails, and camping — is 5 miles away. The El Dorado Hills Town Center is an upscale outdoor shopping and dining destination minutes from the community entrance. Mercy Hospital of Folsom provides Level III emergency care approximately 10 minutes away.
Sacramento International Airport is approximately 40 minutes via US-50 West — a longer drive than from the Natomas or Roseville communities but still practical for frequent travelers. Lake Tahoe is approximately 90 minutes east on US-50, making it a viable day trip rather than an overnight commitment. Napa Valley wine country runs 90–100 minutes west through Sacramento. The location positions residents in the Northern California lifestyle corridor without being too far from urban amenities.
We can help you evaluate solar status, HOA financials, El Dorado County tax math, and 10-year projections for any Four Seasons at El Dorado Hills listing.
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