239 RILEY LAKE DRIVE, HAWTHORNE, FL, 32640
Active278 days on marketListed Oct 29, 2025MLS #GC535048
About this home
239 RILEY LAKE DRIVE
***PRICE REDUCED!!!*** Escape to your very own lakeside retreat on 1.17acres, and approx 100 feet of lakefront! Come see this cozy log cabin on Riley Lake that offers the perfect blend of rustic character and modern comfort. Nestled between the trees, you can sit on the back porch and take in the stunning lake views and enjoy the soothing sounds of nature. Take a short walk to the dock and sit on the bench, and enjoy the soft wind and the sound of the water ripple below. This log cabin has wood from floor to ceiling, with real wood floors, and a large stone fireplace with an open-concept living area. The master bedroom is on the second floor, with a spacious sitting area that would be a perfect area for relaxing or reading a book. This bedroom also has a cozy bathroom for privacy. The second bedroom is downstairs and is also spacious enough for a large bed or multiple beds. The living room is right out of a story book with a large, one of a kind, fireplace. Sit by the fire to enjoy the sound of the fire crackling while wrapped up in a blanket. A separate building on the property is a finished studio/in-law suite. Whether you're seeking a full-time residence, a weekend getaway, or a short-term rental investment, this property delivers the ultimate cabin on the lake lifestyle. Don't forget to bring your boat, kayaks, fishing gear and enjoy what 42 acre Riley Lake has to offer. Call me for your showing today!
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
2,238
Sqft
1.17 ac
Lot size
2
Garage
2000
Year built
Two
Levels
$290
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,460 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,460/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Hawthorne actives
$290 vs $179
Days on market
278 vs 46 typical
Where $290/sqft sits among the 59 Hawthorne actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Hawthorne
Get to know Hawthorne. See the full Hawthorne guide →
HAWTHORNE 32640 — neighborhood snapshot
Population
10,780
Median age
46.2
Median income
$58,727
Median home value
$153,600
Avg household
2.51
Households w/ children
1,120
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hawthorne market
$225K → $365K
Hawthorne median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
30 of 59
Hawthorne actives have cut their price
Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 665% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 239 RILEY LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$425,000
303 RILEY LAKE DRIVE · same community
3 bd · 3 ba · 2,260 sqft · $188/sqft · 5 DOM
Sold · Jul ’26$186,000
161 RILEY LAKE DRIVE · same community
2 bd · 2 ba · 1,952 sqft · $95/sqft · 70 DOM
Sold · Feb ’26$285,000
347 STAR LAKE DRIVE · same community
3 bd · 2 ba · 1,512 sqft · $188/sqft · 7 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 239 RILEY LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 239 RILEY LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
239 RILEY LAKE DRIVE FAQs
What would the monthly payment be for 239 RILEY LAKE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,460/mo — principal and interest, the actual property-tax bill, the $4/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 239 RILEY LAKE DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 239 RILEY LAKE DRIVE?+
The most recent tax bill on record (2024) was $6,536. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 239 RILEY LAKE DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Hawthorne?+
At $650,000, this home is listed about 147% above the Hawthorne median of $263,450. The market section on this page shows how the area is trending.
Which schools are assigned to 239 RILEY LAKE DRIVE?+
Ochwilla Elementary School (elementary), Interlachen Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$650,000 runs 665% above the HAWTHORNE 32640 median — but at 2,238 sqft it's also 58% larger than the typical Hawthorne listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
278 days on market against a Hawthorne median of 46 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $670,000, now $650,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Patrick Donnelly. MLS #GC535048.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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