303 RILEY LAKE DRIVE, HAWTHORNE, FL, 32640
Active56 days on marketListed Jun 12, 2026MLS #GC541161
About this home
303 RILEY LAKE DRIVE
Dreaming of lakefront living? This gorgeous two-story home offers breathtaking views of a private spring-fed lake, where you can enjoy swimming, kayaking, fishing, or simply relaxing in nature. The main living area upstairs features 3-bedrooms and 2-bathrooms, along with an open-concept kitchen and family room. A stunning 12x54 screened-in porch, equipped with an elevator lift, provides the perfect place to take in the spectacular lake views. Downstairs, you'll find a spacious 28x28 living area complete with its own kitchen and bathroom-ideal for guests, extended family, or a mother-in-law suite. Additional features include a large, covered carport that also serves as an excellent entertaining space for family gatherings, whole-house generator, fireplace, irrigation system, durable metal roof, beautiful new wood flooring, fresh interior paint throughout. Whether you're looking for a peaceful retreat or a home designed for entertaining, this property offers the best of both worlds.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,260
Sqft
0.76 ac
Lot size
1988
Year built
Two
Levels
$199
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.
$3,488 /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
$3,488/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.
$/sqft vs Hawthorne actives
$199 vs $181
Days on market
56 vs 61 typical
Where $199/sqft sits among the 58 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
$220K → $275K
Hawthorne median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
31 of 58
Hawthorne actives have cut their price
Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 428% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 303 RILEY LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$425,000
303 RILEY LAKE DRIVE · same community
3 bd · 3 ba · 2,260 sqft · $188/sqft · 5 DOM
Sold · Jul ’26$186,000
161 RILEY LAKE DRIVE · same community
2 bd · 2 ba · 1,952 sqft · $95/sqft · 70 DOM
Sold · Feb ’26$285,000
347 STAR LAKE DRIVE · same community
3 bd · 2 ba · 1,512 sqft · $188/sqft · 7 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 303 RILEY LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 303 RILEY LAKE DRIVE — 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
303 RILEY LAKE DRIVE FAQs
What would the monthly payment be for 303 RILEY LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,488/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 303 RILEY LAKE DRIVE?+
The most recent tax bill on record (2025) was $5,837. 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 $449,000, this home is listed about 69% above the Hawthorne median of $264,999. The market section on this page shows how the area is trending.
Which schools are assigned to 303 RILEY LAKE DRIVE?+
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
$449,000 runs 428% above the HAWTHORNE 32640 median — but at 2,260 sqft it's also 55% larger than the typical Hawthorne listing.
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 $449,900, now $449,000 — a $900 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CB ISAAC REALTY · Ronald Blake. MLS #GC541161.
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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