122 COWPEN LANE, HAWTHORNE, FL, 32640
Active21 days on marketListed Jul 17, 2026MLS #GC542056
About this home
122 COWPEN LANE
Experience the perfect blend of country living and modern convenience with this exceptional lakefront property offering breathtaking water views and outstanding privacy. Situated on a peaceful homesite, this spacious 4-bedroom, 3-bathroom home provides plenty of room for family, guests, or a home office. Relax on the inviting porch while taking in the picturesque lake views and peaceful surroundings, or entertain family and friends in the spacious outdoor living areas. A detached studio offers flexible space for a home office, art studio, fitness room, or guest retreat. The property also includes two storage sheds, providing ample room for tools, equipment, and outdoor equipment, while a whole-home generator provides dependable backup power for added peace of mind. Whether you're searching for a full-time residence or a private country retreat, this unique lakefront property offers the perfect combination of space, privacy, scenic beauty, and versatility. Enjoy the tranquility of waterfront living while still having the comforts and conveniences of home. Don't miss this rare opportunity to own your own slice of paradise.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,401
Sqft
0.72 ac
Lot size
1979
Year built
Two
Levels
$165
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.
$3,056 /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
$3,056/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
$165 vs $182
Days on market
21 vs 61 typical
Where $165/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)
32 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 365% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 122 COWPEN LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$545,000
250 W WEST LAKE DRIVE
3 bd · 4 ba · 2,462 sqft · $221/sqft · 621 DOM
Sold · Apr ’26$288,000
100 OLDS DRIVE
4 bd · 2 ba · 1,590 sqft · $181/sqft · 134 DOM
Sold · Jan ’26$211,000
131 FRANKLIN DRIVE
3 bd · 2 ba · 1,456 sqft · $145/sqft · 154 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 122 COWPEN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 122 COWPEN LANE — 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
122 COWPEN LANE FAQs
What would the monthly payment be for 122 COWPEN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,056/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 122 COWPEN LANE?+
The most recent tax bill on record (2025) was $4,754. 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 $395,000, this home is listed about 49% above the Hawthorne median of $264,999. The market section on this page shows how the area is trending.
Which schools are assigned to 122 COWPEN LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of RASCOVICH REALTY GROUP LLC · Matt Rascovich. MLS #GC542056.
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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