Experience ''Lake Life'' on stunning Cowpen Lake—a crystal-clear, 600+ acre, fully recreational paradise. Yes, no restrictions here. Bring your boats and jet skis. Whether it's your homestead or vacation home. (Airbnb Ready) This move-in-ready 4-bed, 2.5-bath, two-story home offers peaceful, quiet surroundings and friendly neighbors. Enjoy breathtaking sunsets from the living room couch, back porch, beach lounger, or dock bench. The spacious back porch is perfect for reading and listening to the rain. Inside, the large open-concept kitchen flows into the dining and living areas—ideal for entertaining—while abundant natural light pours through the living room's picture window, multiple sliders, and skylights in both full baths. Features include Hardi Board siding, metal roof, maple cabinets, stainless double oven, and a detached oversized 3-car garage for all your toys. Landscaped with live oaks, sago palms, and a cement driveway. Eligible for a USDA loan.
Active
$550,000
198 LAKE RAY Road, Hawthorne, FL 32640
4beds
2,193sqft
Est.:
Single Family Residence
Built in 1985
0.77 Acres Lot
$-- Zestimate®
$251/sqft
$-- HOA
What's special
Metal roofHardi board sidingStainless double ovenCement drivewayMaple cabinets
- 25 days |
- 1,429 |
- 82 |
Zillow last checked: 8 hours ago
Listing updated: January 21, 2026 at 01:31pm
Listed by:
STEVEN JUDD 904-343-9813,
KELLER WILLIAMS REALTY AT THE LAKES 850-629-0950,
WILLIAM L ELLIOTT JR 904-248-0493
Source: realMLS,MLS#: 2126225
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Heating
- Central, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Dishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
Interior area
- Total interior livable area: 2,193 sqft
Property
Parking
- Total spaces: 3
- Parking features: Additional Parking, Garage, Garage Door Opener, RV Access/Parking
- Garage spaces: 3
Features
- Stories: 2
- Patio & porch: Covered, Porch, Rear Porch
- Exterior features: Boat Ramp - Private, Dock
- Has view: Yes
- View description: Lake, Water
- Has water view: Yes
- Water view: Lake,Water
- Waterfront features: Lake Front
Lot
- Size: 0.77 Acres
Details
- Parcel number: 271023000003520030
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Roof: Metal
Condition
- New construction: No
- Year built: 1985
Utilities & green energy
- Sewer: Septic Tank
- Water: Private, Well
- Utilities for property: Electricity Connected, Sewer Available, Water Available
Community & HOA
Community
- Subdivision: Government
HOA
- Has HOA: No
Location
- Region: Hawthorne
Financial & listing details
- Price per square foot: $251/sqft
- Tax assessed value: $458,160
- Annual tax amount: $7,398
- Date on market: 1/21/2026
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Road surface type: Dirt
Estimated market value
Not available
Estimated sales range
Not available
$2,060/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 1/21/2026 | Listed for sale | $550,000-6%$251/sqft |
Source: | ||
| 12/9/2025 | Listing removed | $584,900$267/sqft |
Source: | ||
| 10/20/2025 | Price change | $584,900-2%$267/sqft |
Source: | ||
| 8/13/2025 | Listed for sale | $597,000+94.1%$272/sqft |
Source: | ||
| 12/30/2020 | Sold | $307,500-3.9%$140/sqft |
Source: | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $6,861 +6% | $458,160 +3% |
| 2023 | $6,472 +18.7% | $444,800 +27.2% |
| 2022 | $5,451 +11.4% | $349,600 +24.3% |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$3,549/mo
Principal & interest
$2572
Property taxes
$784
Home insurance
$193
Climate risks
Neighborhood: 32640
Nearby schools
GreatSchools rating
- 3/10Ochwilla Elementary SchoolGrades: PK-6Distance: 3.2 mi
- 3/10Interlachen High SchoolGrades: 7-12Distance: 6.8 mi
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