Absent a grid-tied, batteryless solar PV system, the cost economics of having batteries, maintaining them, etc, will blow out any reasonable economic analysis. Especially if location is a typical city such that there's little rationalization for long power outages (days).
A grid-tied, batteryless solar PV system connects to the circuit breaker box and simply supplies electricity to anything in the home that calls for it, i.e. the HPWH. Whatever solar output is not used is sold to the grid.
Four 225 W panels in a grid-tied, batteryless system is probably going to supply about 630 W at the peak of the day, on average across an entire year. It will be zero in the morning and zero at the end of the day.
See my charts at
http://www.welserver.com/WEL0043 for illustration of the solar power output curve. My system is 36 panels at 225 W each, so simply divide the nubers by 9 and you'll have a model for your 4 panel proposed system. I'm in a hot climate too (Dallas) such that environment should be similar to yours.
I'd be surprised if the cost economics work even for a grid-tied batteryless system. Only 4 panels is pretty small to make the numbers work, unless there is substantial subsidy available in FL.
Hope this helps.
Best regards,
Bill