120 PEACH, HAWTHORNE, FL, 32640
Active96 days on marketListed Apr 18, 2026MLS #GC539601
About this home
120 PEACH
Opportunity meets location with this 3-bedroom, 2-bath home in the Lak-A-Wana Gardens community. NO HOA! This property offers a functional layout and multiple outdoor living spaces designed to enjoy Florida living. The home features a metal roof, a large covered front porch, peek-a-boo views of Lak-A-Wana, and a spacious screened side porch off one of the bedrooms-perfect for relaxing mornings or evening unwinding. The .30-acre fenced yard provides room for pets, gardening, or outdoor entertaining. A standout feature is the large garage, ideal for storage or a workshop, along with a carport positioned in front for additional covered parking. The garage does need a new roof. Enjoy deeded access to Lak-A-Wana, lakefront park with a dock and boat ramp, perfect for fishing, boating, and soaking in the peaceful, uncrowded setting. The area is loved for its small-town charm, natural surroundings, and central convenience. With easy access to Gainesville, Palatka, and Ocala, plus nearby trails, lakes and outdoor recreation, it's an ideal location for those wanting a quieter lifestyle without being far from town. A unique opportunity to own a property with lake access, usable space, and room to add your personal touch.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,352
Sqft
0.3 ac
Lot size
2
Garage
2006
Year built
One
Levels
$147
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.
$1,635 /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
$1,635/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.
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)
Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 134% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
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 120 PEACH — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 PEACH — 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
120 PEACH FAQs
What would the monthly payment be for 120 PEACH?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,635/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 120 PEACH?+
The most recent tax bill on record (2025) was $2,590. 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 $199,000, this home is listed about 24% below the Hawthorne median of $263,450. The market section on this page shows how the area is trending.
Which schools are assigned to 120 PEACH?+
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
$199,000 runs 134% above the HAWTHORNE 32640 median.
02Time on market is leverage
96 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 $235,000, now $199,000 — a $36K cut. The full history is in the market section below.
Listing courtesy of IHEART REALTY INC. · Heather Hunter. MLS #GC539601.
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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