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  • $550,000

    198 LAKE RAY Road, Hawthorne, FL 32640

    4beds
    2,193sqft
    : 
    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
    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.
    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#: 2126225MLS Logo

    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
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    Estimated market value

    Not available

    Estimated sales range

    Not available

    $2,060/mo

    Price history

    Price history
    DateEventPrice
    1/21/2026Listed for sale$550,000-6%$251/sqft
    Source: realMLS #2126225 Report a problem
    12/9/2025Listing removed$584,900$267/sqft
    Source: realMLS #2103674 Report a problem
    10/20/2025Price change$584,900-2%$267/sqft
    Source: realMLS #2103674 Report a problem
    8/13/2025Listed for sale$597,000+94.1%$272/sqft
    Source: realMLS #2103674 Report a problem
    12/30/2020Sold$307,500-3.9%$140/sqft
    Source: realMLS #1079821 Report a problem

    Public tax history

    Public tax history
    YearProperty taxesTax 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

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