15618 SE US HIGHWAY 301, HAWTHORNE, FL, 32640
Active182 days on marketListed Feb 4, 2026MLS #S5143182
About this home
15618 SE US HIGHWAY 301
Rare waterfront home on beautiful Lake Lochloosa! Fully renovated custom concrete/brick 4BR, 3BA home featuring breathtaking panoramic lake views through wall-to-wall windows, cathedral ceilings, real wood-burning fireplace, and stunning brand-new kitchen with center island, new appliances, massive pantry, and extensive cabinetry. Includes private upstairs 1BR/1BA guest or in-law suite with separate entrance, full kitchen, screened balcony overlooking the lake, and separate A/C. Major upgrades include brand-new 200 ft private dock, metal roof, 2 new Nest-controlled A/C systems, new plumbing, water heater, lighting, and well softener. Enjoy premier bass fishing, boating, kayaking, wildlife, privacy, and excellent Airbnb/income potential. A true Florida lakefront gem.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,272
Sqft
0.63 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$173
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.
$4,235 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,235/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−40.4%
$/sqft vs N/A
$173 vs $288
Days on market
182 vs 57 typical
Where $173/sqft sits among the 244 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
$220K → $275K
Hawthorne median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
107 of 244
N/A have cut their price
Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 565% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 15618 SE US HIGHWAY 301
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$950,000
4701 NE JACKSONVILLE ROAD · same community
5 bd · 4 ba · 3,320 sqft · $286/sqft · 130 DOM
Sold · Dec ’25$573,000
2202 OLD TAVARES ROAD · same community
4 bd · 4.5 ba · 3,337 sqft · $172/sqft · 109 DOM
Sold · Mar ’26$1,275,000
16422 SPRING VALLEY ROAD · same community
4 bd · 3 ba · 3,141 sqft · $406/sqft · 70 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 15618 SE US HIGHWAY 301 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15618 SE US HIGHWAY 301 — 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
15618 SE US HIGHWAY 301 FAQs
What would the monthly payment be for 15618 SE US HIGHWAY 301?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,235/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 15618 SE US HIGHWAY 301?+
The most recent tax bill on record (2025) was $9,770. 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 $565,000, this home is listed about 113% above the Hawthorne median of $264,950. The market section on this page shows how the area is trending.
Which schools are assigned to 15618 SE US HIGHWAY 301?+
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
$565,000 runs 565% above the HAWTHORNE 32640 median — but at 3,272 sqft it's also nearly twice the size of 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.
03Time on market is leverage
182 days on market against a Hawthorne median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of ELITE SALES GROUP · Filiz Kayali. MLS #S5143182.
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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