1837 STATE ROAD 20, HAWTHORNE, FL, 32640
Active129 days on marketListed Mar 26, 2026MLS #GC538842
About this home
1837 STATE ROAD 20
Beautiful Lake Front property on Cowpen Lake. Right in the heart of North Central Florida in the area known as The Lake Region is this cozy 2010, 3 Bed, 2 Bath manufactured home. Perfect for a big family or to make your own private retreat. Plenty of room for all your vehicles and toys. There is a 20’x 30’ concrete slab and an included uninstalled 18’x 30’ carport. This 1.7 acre property is located on Cowpen Lake, known for its clearwater. A fully recreational lake where you can enjoy Fishing, Swimming, Skiing, Kayaking and more. Right on State Road 20. The properties location is an easy commute between Gainesville, Palatka, and Ocala. Even the Historic Town of Melrose is nearby for eating out, cultural actives, vendors, art walks, regular music events and so much more.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,560
Sqft
1.7 ac
Lot size
2010
Year built
One
Levels
$160
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 — not generic estimates.
$1,901 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,901/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
−10.5%
$/sqft vs Hawthorne actives
$160 vs $181
Days on market
129 vs 46 typical
Where $160/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 194% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 1837 STATE ROAD 20
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$288,000
100 OLDS DRIVE
4 bd · 2 ba · 1,590 sqft · $181/sqft · 134 DOM
Sold · Jan ’26$211,000
131 FRANKLIN DRIVE
3 bd · 2 ba · 1,456 sqft · $145/sqft · 154 DOM
Sold · Apr ’26$256,000
145 DEPOT ROAD
2 bd · 2 ba · 1,711 sqft · $150/sqft · 53 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 1837 STATE ROAD 20 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1837 STATE ROAD 20 — 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
1837 STATE ROAD 20 FAQs
What would the monthly payment be for 1837 STATE ROAD 20?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,901/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1837 STATE ROAD 20?+
The most recent tax bill on record (2025) was $1,917. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hawthorne?+
At $249,900, this home is listed about 5% below the Hawthorne median of $263,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1837 STATE ROAD 20?+
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
Three things that matter here
01Positioned at the premium end
$249,900 runs 194% above the HAWTHORNE 32640 median.
02Time on market is leverage
129 days on market against a Hawthorne median of 46 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $265,000, now $249,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LAKESIDE REALTY · Carlos Reichard. MLS #GC538842.
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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