$559,999
1886 STATE ROAD 20, Hawthorne, FL 32640
Metes & Bounds
- Price
- $559,999
- Beds / Baths
- 4 / 3
- Living area
- 3,120 sqft
- Year built
- 1994
- Type
- Residential
- Lot
- —
- Garage
- 3
- HOA
- None
- CDD
- No
- Flood zone
- Unknown
- County
- Putnam
- Days on market
- 137
$179/sqft asking, vs a $164/sqft median across 61 closed sales in 32640 over the last 12 months — 9% above the area's closed prices. Condition and lot vary; that's what a showing is for.
$10,000 BUYER INCENTIVE! Seller is offering up to 10K toward buyer closing costs, prepaid expenses and/or interest rate buy-down with an acceptable offer! 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 Additional updates include a newer septic system, upgraded well, and NEW HVAC
What to check on this one
- Verify septic system installation date and pump-out records from seller.
- Confirm well water quality test results and recent service history.
- Obtain roof installation date/warranty documentation for metal roof.
- Request HVAC installation date and maintenance records.
- Confirm flood zone designation with Putnam County FEMA maps.
- Verify pool equipment age, inspection records, and maintenance plan.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $447,999 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 4:15 PM.
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. Information is deemed reliable but not guaranteed.