1886 STATE ROAD 20, HAWTHORNE, FL, 32640
Active70 days on marketListed May 15, 2026MLS #J1000950
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Sat, Jul 25
10:00 AM – 1:30 PM
Broker
About this home
1886 STATE ROAD 20
Experience peaceful country living just steps from Cowpen Lake. This solid concrete block residence is set on 2.4 private acres with no HOA restrictions, offering over 3,000 square feet of comfortable living space. Over $120,000 in recent upgrades provide peace of mind, including a new metal roof, gutters, interior and exterior paint, modern lighting, and a 30x40 metal workshop/garage equipped with 240-volt power--ideal for projects, storage, or recreational use. Inside, the home features expansive living areas highlighted by wood-look tile flooring and a striking stone-accented entryway. The spacious primary suite boasts elevated ceilings and a luxurious bath complete with a jetted tub, marble walk-in shower, dual vanities, and a generous walk-in closet. The kitchen is designed for both function and entertaining, featuring custom cabinetry, stainless steel appliances, triple ovens, a vent hood, and a large center island. Additional updates include a newer septic system, upgraded well.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,120
Sqft
3.07 ac
Lot size
3
Garage
1994
Year built
One
Levels
$179
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.
$4,251 /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
$4,251/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 560% 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 1886 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 1886 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
1886 STATE ROAD 20 FAQs
What would the monthly payment be for 1886 STATE ROAD 20?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,251/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 1886 STATE ROAD 20?+
The most recent tax bill on record (2025) was $6,556. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1886 STATE ROAD 20?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Hawthorne?+
At $559,999, this home is listed about 113% above the Hawthorne median of $263,450. The market section on this page shows how the area is trending.
Which schools are assigned to 1886 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.
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1000950.
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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