175 WHIRLWIND LOOP, HAWTHORNE, FL, 32640
Active106 days on marketListed Apr 6, 2026MLS #GC539140
About this home
175 WHIRLWIND LOOP
IS NOW THE TIME TO MAKE YOUR MOVE BACK TO SOME COUNTRY LIVING? Right in the heart of the Lake Region near historic Melrose, Florida. On over 2 acres, is this roomy split floorplan 3-bedroom, 2-bath home. The home has recently been upgraded and remodeled, including: a metal roof, vinyl flooring throughout, complete wall finishing, electrical, lighting, plumbing, drain field and more. Two porches were added to enjoy some outside time cooking out with friends, family, looking over the chicken pen or sitting quietly watching all types of wildlife wandering through the property. The main very useful added improvement to this property is the new 30 x 26 metal building with cement flooring. Which includes a 10 ft overhang for carport or work area. This property is centrally located for an easy commute to Gainesville, Palatka, and Ocala Florida but especially Historic Melrose nearby where you’ll find 6,000 acre Santa Fe Lake for all your water recreational needs like wake surfing, skiing, tubing, kayaking, fishing, sailing and more. Melrose is a one light town full of life and many activities. Here you’ll find several restaraunts, doctors, art galleries, various arts and crafts classes, regular musical events, dances, art walks, vendors & more. The town is known for its vibrant cultural life. You’re encouraged to do a drive-by of the home, but make sure you include driving through the Historic District of Melrose, see Santa Fe Lake and meet some folks while there. We think this little big town will have all you’ll need . Yes, it’s a different way of life out here, but it’s one you’re gonna love when you settle in. We’ll make it easy to show for ya.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,152
Sqft
2.16 ac
Lot size
1998
Year built
One
Levels
$239
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.
$2,076 /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
$2,076/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
+33.3%
$/sqft vs Hawthorne actives
$239 vs $179
Days on market
106 vs 46 typical
Where $239/sqft sits among the 61 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)
25 of 61
Hawthorne actives have cut their price
Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 248% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 175 WHIRLWIND LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$244,000
105 SLIPPER WAY · same community
3 bd · 2 ba · 1,040 sqft · $235/sqft · 33 DOM
Sold · Sep ’25$297,500
177 WHIRLWIND LOOP · same community
3 bd · 2 ba · 1,270 sqft · $234/sqft · 360 DOM
Sold · Aug ’25$220,000
276 MELROSE LANDING BOULEVARD · same community
2 bd · 2 ba · 969 sqft · $227/sqft · 457 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 175 WHIRLWIND LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 175 WHIRLWIND LOOP — 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
175 WHIRLWIND LOOP FAQs
What would the monthly payment be for 175 WHIRLWIND LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,076/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 175 WHIRLWIND LOOP?+
The most recent tax bill on record (2025) was $2,115. 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 $274,900, this home is listed about 4% above the Hawthorne median of $263,450. The market section on this page shows how the area is trending.
Which schools are assigned to 175 WHIRLWIND LOOP?+
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
$274,900 runs 248% above the HAWTHORNE 32640 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
106 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 $294,900, now $274,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 LAKESIDE REALTY · Roger Buz. MLS #GC539140.
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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