1837 STATE ROAD 20, HAWTHORNE, FL, 32640
Active4 days on marketListed Aug 25, 2026MLS #GC542872
About this home
1837 STATE ROAD 20
Welcome to your own slice of Florida lakefront living on beautiful Cowpen Lake in Hawthorne! This 3-bedroom, 2-bath home offers approximately 1,560 square feet of living space and sits on 1.7 wooded acres with over 100 feet of lake frontage. A private, wooded front yard provides a peaceful setting, while the back of the property opens up to clear, beautiful views of the lake. Enjoy the tranquility of nature, abundant wildlife, and the opportunity to make the waterfront your own. The home features a metal roof that is only 3 years old and an AC that has just been installed. Outdoor enthusiasts and gardeners will appreciate the 50-pot garden system, which is supplied with lake water through a solar-powered pump. The property also includes a 20’ x 30’ concrete slab with a metal building ready for construction, offering excellent potential for a workshop, storage, garage, or additional workspace. Two power poles are already located on the property. For those who love the outdoors, the Hawthorne Trail is conveniently located right at the front of the property, providing easy access to miles of scenic trail riding, biking, hiking, and exploring. Whether you’re looking for a peaceful full-time residence, a weekend lake getaway, or a property with room to add your own touches, this Cowpen Lake property offers privacy, natural beauty, and plenty of potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,560
Sqft
1.7 ac
Lot size
2010
Year built
One
Levels
$128
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.
$1,585 /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
$1,585/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.
vs edgeAI estimate
−31.1%
$/sqft vs Hawthorne actives
$128 vs $181
Days on market
4 vs 69 typical
Where $128/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
Alachua 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 100% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Reality check
What actually sold near 1837 STATE ROAD 20
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Apr ’26$256,000
145 DEPOT ROAD
2 bd · 2 ba · 1,711 sqft · $150/sqft · 53 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1837 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 1837 STATE ROAD 20 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1837 STATE ROAD 20 FAQs
What would the monthly payment be for 1837 STATE ROAD 20?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,585/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 1837 STATE ROAD 20?+
The most recent tax bill on record (2025) was $1,917. 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 1837 STATE ROAD 20?+
The listing reports pets: Cats OK, Dogs OK. 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 $199,900, this home is listed about 26% below the Hawthorne median of $269,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1837 STATE ROAD 20?+
Chester Shell Elementary School (elementary) — Alachua 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
$199,900 runs 100% above the HAWTHORNE 32640 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Hawthorne market that averages 69 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP · Jennifer Boymer. MLS #GC542872.
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.
Never miss a listing
New Hawthorne homes, in your inbox
Like 1837 STATE ROAD 20 but not quite? A daily digest of every new listing in Hawthorne — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frederick to ping you on any price or status change →