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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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Sold

Sold·Closed Dec 31, 2025·24 days on market

164 Clearwater Lake Road

Hawthorne, FL 32640

$168,255sold priceListed at $235,000 · 71.6% of asking$138/sqftMLS# 2098598
2
Beds
1.5
Baths
1,220
Sq Ft
1964
Built
—
Garage
No
Pool
No HOA0.57 acresWaterfrontSingle Family Residence1 story

About this home

Hawthorne

Searching for a lakefront get away? Check out the crystal clear waters on this beautiful 37 acre private lake located just 25 minutes East of Gainesville in a tranquil rural setting. The concrete block 2 bedroom | 1.5 bathroom home offers a casual laid back feel with great views of the lake beneath large towering oaks. The main features though are on the outside with a beautiful dock, sandy play area on the lakes edge, detached shop, & shed for the lake toys. Then there is the crystal clear waters of the lake that just majestically takes the stress of the day away.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$932
Estimated total, before insurance$932/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$168,255
$33,651
Loan Term
Monthly Payment
$932
Principal & Interest: $932
Insurance (est.): $112
Estimated Total Monthly
$1,044
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $3,078/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $197/sq ft; this home is listed at $193/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
808 County Road 20A, Hawthorne, FL 32640Listed by FADER & CO REALTY LLCAug 2026$180,000$1972/191201.3
554 S County Road 21, Hawthorne, FL 32640Listed by IHEART REALTY INCSep 2025$125,000$1053/21,19601.4
622 Co Rd 21, Hawthorne, FL 32640Listed by EPIQUE REALTY, INCFeb 2026$253,500$2722/2933171.6
150 Indian Lakes Road, Hawthorne, FL 32640Listed by NICOSIA REALTY INC.Jul 2026$415,000$2683/21,550461.9
110 Silver Lake Drive, Hawthorne, FL 32640Listed by INTERLACHEN REALTY SERVICES, INCJul 2026$135,000$944/21,4401372
112 Highland Drive, Hawthorne, FL 32640Listed by IHEART REALTY INCAug 2026$197,500$1563/21,2641362.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$235,000
Price / Sq Ft$193
Bedrooms2
Bathrooms1.50
Full Baths1
Half Baths1
Square Footage1,220
Acres0.57 acres
Year Built1964
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address164 Clearwater Lake Road, Hawthorne, FL 32640
Area573-Interlachen-SW
SubdivisionClearwater Lakes Hom
CityHawthorne
CountyPutnam
StateFL
Zip Code32640
Lot Size24,829.2 sq ft
Parcel Number361023150000100190

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewWater
Waterfront TypeLake Front

Interior

AppliancesElectric Range, Refrigerator
HeatingNone
CoolingWall/Window Unit(s)
# of Stories1
LevelsOne

Exterior

ConstructionBrick

Additional Information

Date ListedJuly 15, 2025
Days on Market24
Tax Amount$3,078.24
Tax Year2023
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CB ISAAC REALTY

Sold by: THE AMERICAN DREAM (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Dec 31, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

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