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New home generally implies an extended settling period, as the foundation backfill has not been compacted.
I would go with the 4 foot hole. To count on bolts into your foundation to hold up a footer and stairs when the soil under settles might not be a great idea. Think of it this way, you can plan on making use of the material you dig out of those holes in your new softscape or water feature.
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Axtell Landscape and Maintenance
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