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Ask our K. Hovnanian American Mortgage associates about additional financing options

Estimated monthly payment is calculated on the price of the home and terms as shown above and includes estimates for property taxes and homeowners’ insurance as well as HOA Fees and PMI/MIP (if applicable).  Your actual monthly payment may be greater. The estimated monthly payment is provided for illustration purposes only and is not a commitment to lend, nor a representation or guaranty that such payment amount will be applicable to any purchaser and/or transaction. Interest rate is not guaranteed and is subject to market conditions and may change or program may be cancelled without prior notice. You should contact a lender of your choosing for information, terms, and conditions specific to your current situation. Click here for further details.
Interest rate is as of 2/21/2020. Mortgage loan assumes no fees payable to lender so that the interest rate and APR are the same. If your lender charges any fees in connection with the mortgage loan, your APR will be higher. Assumes a 30-year fixed rate, owner-occupied mortgage loan for a purchaser with a credit score of 740+ with a down payment of [Down Payment Percentage] as described in the Mortgage Calculator. For conventional mortgages, Private Mortgage Insurance (PMI) may be required by your lender if your down payment is less than 20%. For FHA mortgages, a Mortgage Insurance Premium (MIP) payment is required at an upfront rate of 1.75% of the borrowed amount and monthly at an annual rate of 0.85% of the amount borrowed. Not all communities are eligible for FHA financing.

Your interest rate may vary depending upon the type of mortgage, loan amount, loan-to-value ratio, occupancy, purpose of loan, and your credit scores. Assumed terms may not be available to all or any purchasers. Loan programs, financing programs, interest rates, home purchase price, fees, payments and offers may vary, are subject to change or cancellation at any time without notice and are subject to the specific underwriting guidelines of your chosen lender, credit approval, property appraisal, seller contribution limits, and other conditions, as applicable. Property taxes, homeowner’s insurance and HOA fees are estimates only. Actual amounts for property taxes, homeowner’s insurance and HOA fees may be higher and are subject to change from time to time. Flood insurance may be required depending on location of the home. Mortgage calculator is for informational and illustrative purposes only. You are encouraged to seek advice from a lender of your choosing for information, terms and conditions specific to your current situation.

K. Hovnanian Homes is not acting on behalf of or at the direction of HUD/FHA or the federal government. 

KHAM 30 YEAR FIXED FNMA/FHLMC RATE
Please use the list below to determine your estimated interest rate based on your credit score. 
Note: These values are only an estimate. Please speak with a K. Hovnanian American Mortgage advisor for more information.

  • 620-639 = 5.682%
  • 680-699 = 4.194%
  • 720-739 = 3.762%
  • 740 or greater = 3.689%
Back to South Carolina
K. HOVNANIAN'S® FOUR SEASONS AT

CAROLINA OAKS

Coming Soon

Resort-Style Living in the Scenic Lowcountry

Four Seasons at Carolina Oaks offers resort-style living in a picturesque setting. Enjoy life in close proximity to the beach and a wide variety of shopping and dining options. Make lasting connections with a diverse community of people at a similar stage in life.

Something New Every Day

From lifelong hobbies to untapped passions, there's always something fun to do and new to try.

9:00am 10:00am 11:00am 12:00pm 1:00pm 2:00pm 5:00pm 6:00pm
Pickleball Billiards Dip in the Pool Lap Swim Culinary Demonstration Ballroom Dancing Lessons Painting Class Picnic at the Pavilion
Pickleball

Pickleball

Badminton, tennis and ping-pong combine!  Enjoy a game with friends on one of our 6 courts.
Tennis

Tennis

Meet friends at the tennis courts for an exciting match, then head to the clubhouse for a cool drink.
Bocce

Bocce

Who will be closest to the jack?  Get a team together and head to the 3 Bocce courts for a game.
Aerobics Studio

Aerobics Studio

Yoga or aerobics?  Check the class schedule and meet friends and neighbors for an invigorating workout.
Billiards

Billiards

Rack ‘em up!  Stop by the clubhouse for a relaxing game of billiards with friends.
Walking Trails

Walking Trails

Get a group together or take to the trails yourself for some quiet time to enjoy nature.

Resort-Style Living

Maintenance free living at its best! Experience the harmonious balance of comfort and luxury at Four Seasons at Carolina Oaks

All Community Amenities:

Dog Park

Dog Park

Fur babies need to have fun too! Bring them down to the dog park for a little off-leash play time with their furry friends! Let them run and jump and work off some energy while you visit with friends and neighbors. What a great way to give them some safe, fun exercise!
Pickleball Courts

Pickleball Courts

Pickleball is sweeping the nation!  This mashup of badminton, ping-pong and tennis is sure to become your new favorite sport.  Grab a friend or three or head over to one of our six pickleball courts for a bit of friendly competition.  We’re sure you’re going to love it!
Fitness Center

Fitness Center

Have you been an exercise fiend your whole life or are you just now learning to love it?  No matter your fitness level, you’ll love working out in our beautiful Fitness Center.  Try a treadmill, elliptical, bike or free weights and see which is your favorite.  With friends and neighbors right here to encourage you, you’re sure to meet your goals!
Aerobics Studio

Aerobics Studio

Make time in your day to take part in a class at our Movement/Aerobics Studio, located within the Clubhouse.  Have you always wanted to try Yoga?  Here’s your chance!  Maybe Zumba is more your speed?  You can do that here too.  The possibilities are endless.
Billiards Room

Billiards Room

Who doesn’t love a game of billiards?  Bring your talent for banking shots to the Billiards Room and play a few rounds.  You’re sure to find neighbors and friends who share your passion for this classic game.  Just make sure you don’t scratch when you’re hitting the 8-ball!
Grand Ballroom

Grand Ballroom

Learn to dance or perfect those waltzing skills here in the Grand Ballroom, part of our amazing clubhouse.  If you’re already an expert, share those skills with friends and neighbors by teaching a dance class!  What better way to spend a lovely evening than listening to beautiful music while you twirl around the floor?
Card & Game Room

Card & Game Room

What’s your game?  Poker, blackjack, spades, hearts?  Maybe bridge or cribbage?  If you’ve always got a deck of cards in your hand, this will be your new favorite place.  Get a group of friends together and head to the Clubhouse for a few hands.  Card sharks welcome!
Arts & Crafts Room

Arts & Crafts Room

Unleash your inner artist in the arts & crafts room.  Learn a new skill or teach your friends to knit or paint!  You never know what type of craft you’ll take home.  You may not think you have artistic talent, but there’s a craft out there just waiting for you.  Stop by, sign up for a class and get those hands working!
Lounge

Lounge

Ah, time to relax.  Get a cool drink and take some time to chat with friends in the clubhouse lounge.  Read a book or newspaper, catch the latest game on TV, take part in a book club or discuss politics.  This is the perfect place for you to meet and hang out with friends old and new.
Hosting Kitchen

Hosting Kitchen

Show off your culinary skills in our amazing hosting kitchen!  Treat new friends to your classic recipes or watch as a local chef teaches a new dish.  How about organizing a cooking competition?  Or get a group of friends and neighbors together and let everyone prepare a dish to serve.  There’s so much you can enjoy!
Pool

Pool

Whether taking a quick dip or swimming laps, our beautiful pool is the place to cool off!  You know your friends and neighbors will be here, so why not join them for a relaxing afternoon on a lounge chair?  Or bring that new novel you’ve been wanting to read and find a nice quiet spot to lose yourself in a good story!
Walking Trails

Walking Trails

Get a group together or take to the trails yourself for some quiet time to enjoy nature.  Walking is such an amazing form of exercise, and with the walking trails right here in the community it’s so easy to get started!  Try a refreshing walk in the cool morning air, or take an evening stroll and listen to the crickets sing.
Gathering Pavilions

Gathering Pavilions

The perfect place to meet and swap stories!  Stroll on over and meet new friends at the pavilion.  This open-air space is ideal for sharing a picnic lunch with friends, neighbors and visiting family.  Bring along some games and plan to spend a relaxing afternoon in the shade!
Gardens

Gardens

Get that green thumb working!  With our perfect climate, the possibilities for the garden are endless.  Form a club and create a community garden that will impress neighbors and guests.  Learn to tend to roses or lilies, and grow magazine-worthy hydrangeas!  The Lowcountry is a gardener’s paradise.
Fire Pit

Fire Pit

Gather around the fire to roast some marshmallows and celebrate the end of another beautiful day.  Bring your grandkids over when they visit and make s’mores to share.  Host a wine and cheese tasting event here to get to know your neighbors.  There’s something about a roaring fire that just brings people together.
Screened Verandas

Screened Verandas

Our lovely screened verandas are the perfect places to enjoy the outdoors, no matter the weather!   Feel the cool breezes while keeping mosquitos at bay.  Grab a rocking chair and while away a few hours here with a good book, or take a nap in the fresh air!
Tennis Courts

Tennis Courts

Get a friend or three and head over to the tennis courts for an exciting game!  Four state-of-the-art courts are here waiting for you to show off your serve.  Just learning?  You’re bound to find plenty of enthusiasts here who’d love to teach you all the finer points of the game.

Lasting Quality for Decades

Our Founder, Kevork S. Hovnanian (Pictured with his son, Ara) was one of the first builders to introduce the concept of Active Lifestyle Communities in the early 1970’s. His vision to combine homes of lasting value with extraordinary amenities became an integral part of his homebuilding company. In 1994, K. Hovnanian’s Four Seasons Active Lifestyle communities were officially introduced with our flagship community located in Lakewood, NJ. Over 25 years later, K. Hovnanian’s Four Seasons communities continue to be the epitome of resort at home living in the most sought-after locations across the country.

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Explore the Neighborhood

Close by to Hilton Head, SC, you’ll get the best of both town and country life. Discover a new standard of resort-style living within 20 miles of the pristine Hilton Head Island beaches and picturesque views.

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                Room dimensions may vary. Prices, availability, and specifications may change without notice. Some photography may be used for illustrative purposes and contain structural options or designer features that are not included as standard. Certain materials may be discontinued or substituted. Please see a community Sales Consultant to learn how you can personalize your new home with optional features and upgrades. This site makes use of licensed stock photography. Some photography may be used for illustrative purposes and may not depict actual features. Images, videos, activities and amenities shown are representative of a typical K. Hovnanian’s® Four Seasons community.  Offerings may vary by community.  Please speak with a community Sales Consultant for details.