
1847 STATE ROAD 20, HAWTHORNE, FL, 32640
Active53 days on marketListed Jun 2, 2026MLS #GC540649
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
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.
$2,170 /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
$2,170/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
−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
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)
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
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.
Sold · Dec ’25$900,000
9559 SE 177TH COURT · same community
2 bd · 2 ba · 1,344 sqft · $670/sqft · 10 DOM
Sold · Dec ’25$285,000
911 NW 33RD AVENUE · same community
3 bd · 2 ba · 1,454 sqft · $196/sqft · 80 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1847 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 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.
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.
Keep looking
Similar homes nearby
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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