Rancho Cordova, CA — Sacramento County — 704 Homes — K. Hovnanian — New Construction
K. Hovnanian new construction in Rancho Cordova. 704 homes built 2025-present. Important: Rancho Cordova carries the highest effective property tax rate in Sacramento County.
Independent cost breakdown for a buyer at $540K. HOA, property taxes, insurance, and maintenance before you tour.
| Cost Item | Monthly | Annual | Notes |
|---|---|---|---|
| HOA (est.) | ~$270 | $3,240 | Estimate for K. Hovnanian Four Seasons brand community; verify current rate with builder sales |
| Property Tax | $554 | $6,642 | Rancho Cordova ~1.23% effective rate — highest in Sacramento County; meaningfully higher than Placer County at 1.12% |
| Homeowners Insurance | $135 | $1,620 | Estimate; confirm your specific parcel zone |
| Utilities | $165 | $1,980 | Estimate for Sacramento metro |
| Lawn/Exterior Maintenance | $70 | $840 | Owner responsibility unless specified in HOA docs |
| Total Monthly Carrying Cost | $1,194 | $14,322 | Excludes mortgage |
Rancho Cordova has the highest effective property tax rate in Sacramento County at approximately 1.23% — versus 1.12% in Placer County and 1.19% in most of Sacramento City. On a $540K purchase, that is $6,642 annually in Rancho Cordova versus $6,048 in Placer County — a difference of $594 per year. Over 10 years (with Prop 13 capping growth at 2%), you pay approximately $6,600 more in taxes by choosing Rancho Cordova over a Placer County community at the same price. This is not a reason to avoid the community — but it is a number your agent is unlikely to surface proactively.
Four Seasons at the Ranch is one of the newest 55+ communities in the Sacramento area, with construction beginning in 2025. K. Hovnanian's Four Seasons brand brings the same resort-amenity formula found at Four Seasons at Westshore in Natomas, applied to a Rancho Cordova location. The key financial caveat: Rancho Cordova carries the highest effective property tax rate in Sacramento County. Buyers who are cross-shopping this community against Placer County options should factor the approximately $600/year tax premium into their comparison at typical price points.
We help 55+ buyers understand true carrying costs — HOA, taxes, supplemental bills — before making an offer.
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