CENTURY 21 Edge
$1,199,0006 bd5.5 ba4,759 sqft$252 /sqft≈$7,938 /mo all-in ↓

1857 STATE ROAD 20 UNIT 107, HAWTHORNE, FL, 32640

Active14 days on marketListed Sep 28, 2026MLS #GC543799

WaterfrontSingle Family ResidenceLAKESIDE PLACE

About this home

1857 STATE ROAD 20 UNIT 107

Tucked behind the gates of an intimate three-home lakefront enclave, this extraordinary custom-built estate on Cowpen Lake is the kind of property where generations can gather, traditions can begin and weekends have a way of turning into weeks. Whether envisioned as a full-time multigenerational home or a treasured family vacation retreat, this one-of-a-kind property offers remarkable space, privacy and versatility across two parcels totaling approximately 1.11 acres with 125 feet of lake frontage. At its heart is an impressive 4,759-square-foot custom brick residence with 6 bedrooms and 5.5 baths, thoughtfully designed for entertaining while remaining warm and inviting for everyday life. High ceilings, graceful architectural arches, plantation shutters, expansive gathering spaces, a gas fireplace and walls of windows create a light-filled interior that draws your attention toward the lake. The kitchen is truly the heart of the home, with rich wood cabinetry, granite counters, abundant prep and storage space, a large center island with seating, stainless steel appliances and an impressive Viking professional-style gas range and hood, ready for everything from holiday dinners with the entire family to pancakes before a day on the water. The kitchen flows into generous dining and living areas so the cook never has to miss the conversation. The spacious main-floor primary suite is its own private retreat, with room for a sitting area, beautiful lake views, an oversized walk-in closet and a substantial bath featuring dual vanities and an impressive walk-in shower. Additional bedrooms (two en suites) give family and guests room to spread out, while the oversized upstairs bonus/game/billiard room is ready for movie nights, game days and a little friendly competition. Main home also has a 27 KW generator for added comfort. Outside is where the Florida lake lifestyle truly comes alive. Relax on the covered lakefront porch beneath its beautiful wood-clad barrel-vaulted ceiling, surrounded by mature trees and wide-open water views, and imagine morning coffee as the lake wakes up, long family dinners outdoors and cocktails at sunset. Cowpen Lake is a multipurpose recreational lake ideal for boating, fishing and water skiing, and your private boat ramp means the next adventure can begin right from home. Car collectors, boating enthusiasts and hobbyists will appreciate an attached three-car garage plus an extraordinary detached six-car garage/workshop with a full bath, offering exceptional room for vehicles, boats, equipment, toys and projects. A separate 1BR/1BA, 676-square-foot guest residence with its own kitchen, bath, laundry and private entrance makes this property especially well-suited for multigenerational living, extended family and visiting friends, allowing everyone to enjoy their own space while still being together. With two wells, two septic systems, no association fees and a wonderfully private lakefront setting, this is more than a home. It is a place for family and friends to gather around the kitchen island, spend afternoons on the water and end the day together on the porch. Some furnishings may also be negotiated, creating the opportunity for a truly move-in-ready experience, whether you plan to make Cowpen Lake home year-round or simply arrive with your bags packed for weekends, holidays and summers at the lake. Some properties are simply places to live. This one feels like a place your family could return to for generations.

Facts & features

The home at a glance

6

Bedrooms

5.5

Bathrooms

4,759

Sqft

1.11 ac

Lot size

9

Garage

2003

Year built

Two

Levels

$252

Per sqft

WaterfrontFireplaceWater viewNegotiable

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Gas Water Heater · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Natural Gas
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBrick · Wood Frame
FoundationSlab
ViewWater
FacesNorth
ParkingBoat · Driveway · Garage Door Opener · Oversized · Workshop in Garage
ExteriorIrrigation System · Private Entrance

Community & fees

Taxes (2025)$10,309/yr

Utilities & systems

UtilitiesElectricity Connected · Sprinkler Well
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$7,938 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,470
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$859
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $119,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $119,900
Interest rate6.00%
Loan term

Estimated payment

$7,938/mo

Principal & interest$6,470
PMI (est., until 20% equity)$450
Property taxes (actual bill)$859
Est. insurance$160

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.

$/sqft vs Hawthorne actives

$252 vs $177

Days on market

14 vs 93 typical

Where $252/sqft sits among the 60 Hawthorne actives

16
19
10 · this home
8
1
6
$79–137$137–195$195–254$254–312$312–370$370+

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

ElementaryChester Shell Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Hawthorne market

Seller’s marketLeans buyer — 7.3 months of inventoryBuyer’s market

$220K → $275K

Hawthorne median sold, yr/yr

94.9%

Sale-to-list ratio (12 mo)

33 of 60

Hawthorne actives have cut their price

Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 899% above the HAWTHORNE 32640 median. See the full Hawthorne market guide →

Paper trail

This home's history

Sep 28, 2026Listed at $1,199,000 · 14 days on market since
2003Built · LAKESIDE PLACE

Reality check

What actually sold near 1857 STATE ROAD 20 UNIT 107

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

8400 VINTAGE DRIVESold · Mar ’26

$900,000

8400 VINTAGE DRIVE · same community

6 bd · 4 ba · 3,852 sqft · $234/sqft · 11 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.

Colleen Brown

Your agent

Colleen Brown

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1857 STATE ROAD 20 UNIT 107 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1857 STATE ROAD 20 UNIT 107 — before you fall in love.

See it in person

Schedule a tour

Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1857 STATE ROAD 20 UNIT 107 FAQs

What would the monthly payment be for 1857 STATE ROAD 20 UNIT 107?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,938/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 1857 STATE ROAD 20 UNIT 107?+

The most recent tax bill on record (2025) was $10,309. 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 $1,199,000, this home is listed about 344% above the Hawthorne median of $269,900. The market section on this page shows how the area is trending.

Which schools are assigned to 1857 STATE ROAD 20 UNIT 107?+

Chester Shell Elementary School (elementary) — Alachua County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of MATCHMAKER REALTY OF ALACHUA COUNTY · Adam Gurske, PA. MLS #GC543799.

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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1857 STATE ROAD 20 UNIT 107, HAWTHORNE, FL — 6 Bed, 5.5 Bath — $1,199,000 | CENTURY 21 Edge