David Ramirez
$279,000$289,9004 bd2 ba1,325 sqft$211 /sqft$2,170 /mo all-in ↓

1847 STATE ROAD 20, HAWTHORNE, FL, 32640

Active53 days on marketListed Jun 2, 2026MLS #GC540649

Reduced $11KWaterfrontSingle Family ResidenceN/A

About this home

1847 STATE ROAD 20

Virtually Staged. You will know this is the lakefront home you have been waiting for the moment you arrive. As you drive onto the property, you’re immediately enveloped by lush Florida greenery and towering trees that create a sense of privacy and calm and the feel of Old Florida. Along the way, the first glimpses of the lake appear, offering a preview of the beauty that defines the entire space of this lovely property that sits on almost 1.5 acres. The property features three distinct rustic structures, each with its own charm. The main cabin displays all cedar siding and includes three bedrooms and one bath and is 920 sq. ft, with warm antique wood paneling and floors that give it a timeless, inviting feel. The spacious kitchen easily accommodates multiple cooks, while the open great room is filled with natural light from expansive windows overlooking the lake. Whether relaxing on the couch or sharing a meal, the view is always a beautiful and serene backdrop. Nearby, the glass house is the perfect recreational building. It is currently used for storage and offers great potential. With its all-glass walls and existing plumbing, it could easily be transformed into a unique entertainment or relaxation space. Just beside it sits the Cottage, a cozy 420 sq. ft., two-room retreat complete with its own bathroom. It features a sitting area with large windows facing the lake, as well as a generous space for a bed and dresser—perfect for guests or quiet escapes. You will enjoy a brand new deck area that has just been constructed on the Cottage that provides the perfect area for overlooking the lake with your morning coffee. Stepping into the backyard feels like stepping back in time, surrounded by majestic Florida oak trees draped in Spanish moss. The true centerpiece of the property, however, is the lake itself. Lake Cowpen is approximately 650 acres and is perfect for fishing and recreation. A sandy beach area invites you to unwind, while a large newer dock is perfect for fishing or launching kayaks. There’s a lakeside fire pit for cozy evenings, and at night, the stars stretch endlessly across the sky, creating moments of quiet awe. A covered carport with an attached storage room adds both convenience and functionality and would make the perfect area for a shop. Beneath a sprawling oak tree sits a table and chairs that creates opportunity for talking, laughing, and enjoying the gentle lake breeze. It’s a place of connection and stillness. There have been many upgrades and improvements made in the last few years that the new owners will enjoy, including: brand new paint on the exterior of the cottage and the enclosed recreational building, newly constructed porch and railing of the cottage, new woodwork on the back of main cabin, Foundation re-stabilization ($10,000), beach sand, new floating dock and walkway ($15,900), new lighting and fans along with new exterior lighting. With its three unique structures and abundant space, this property offers both versatility and tranquility. Above all, the lake house is a peaceful and rustic retreat—one that feels both timeless and deeply personal. You are invited to come see if this peaceful way of life suits you - you may never want to leave!

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,325

Sqft

1.4 ac

Lot size

1950

Year built

One

Levels

$211

Per sqft

WaterfrontFireplaceWater viewPartially

Inside

FlooringHardwood
AppliancesCooktop · Electric Water Heater · Microwave · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen
LaundryElectric Dryer Hookup · Outside · Washer Hookup
CoolingWall/Window Unit(s)
HeatingElectric · Natural Gas
FurnishedPartially

Outside & construction

RoofMetal
ConstructionCedar · Wood Siding
FoundationCrawlspace
ViewWater
FacesSouth
ParkingBoat
ExteriorPrivate Entrance · Private Mailbox · Private Yard

Community & fees

Taxes (2025)$2,930/yr

Utilities & systems

UtilitiesElectricity Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,170 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,642
FHA mortgage insurance (est.)$123
Property tax — 2025 actual bill$244
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,765Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,765
Interest rate6.00%
Loan term

Estimated payment

$2,170/mo

Principal & interest$1,642
FHA mortgage insurance (est.)$123
Property taxes (actual bill)$244
Est. insurance$160

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.

List $279K
$268KedgeAI estimate $379,033 · range $334K$492K$512K

vs edgeAI estimate

−26.4%

$/sqft vs N/A

$211 vs $288

Days on market

53 vs 46 typical

Where $211/sqft sits among the 225 homes for sale in N/A

114 · this home
56
27
9
3
16
$133–289$289–445$445–601$601–757$757–913$913+

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

Map of 1847 STATE ROAD 20

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

ElementaryOchwilla Elementary School★★★★
HighInterlachen Junior-Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hawthorne market

Seller’s marketLeans buyer9.7 months of inventoryBuyer’s market

$225K$365K

Hawthorne median sold, yr/yr

95.3%

Sale-to-list ratio (12 mo)

107 of 225

N/A have cut their price

Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 228% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →

Paper trail

This home's history

CurrentPrice reduced to $279,000 $11K
Jun 2, 2026Listed at $289,900 · 53 days on market since
1950Built · N/A

Reality check

What actually sold near 1847 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.

9559 SE 177TH COURTSold · Dec ’25

$900,000

9559 SE 177TH COURT · same community

2 bd · 2 ba · 1,344 sqft · $670/sqft · 10 DOM

911 NW 33RD AVENUESold · Dec ’25

$285,000

911 NW 33RD AVENUE · same community

3 bd · 2 ba · 1,454 sqft · $196/sqft · 80 DOM

#12 SENDEROS DEL VALLESold · Dec ’25

$161,000

#12 SENDEROS DEL VALLE · same community

3 bd · 2 ba · 1,114 sqft · $145/sqft · 131 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1847 STATE ROAD 20 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1847 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.

Goes straight to David’s phone and CRM.

Straight answers

1847 STATE ROAD 20 FAQs

What would the monthly payment be for 1847 STATE ROAD 20?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,170/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 1847 STATE ROAD 20?+

The most recent tax bill on record (2025) was $2,930. 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 $279,000, this home is listed about 6% above the Hawthorne median of $263,450. The market section on this page shows how the area is trending.

Which schools are assigned to 1847 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

$279,000 runs 228% above the HAWTHORNE 32640 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $289,900, now $279,000 — a $11K cut. The full history is in the market section below.

Listing courtesy of HORIZON REALTY OF ALACHUA INC · Jennifer MacCallum. MLS #GC540649.

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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