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Active

Active·256 days on market

21317 SE 111th Avenue

Hawthorne, FL 32640

$355,000$209/sqftEst. $1,889/moMLS# 2116027

Beds

Baths

1,700

Sq Ft

1950

Built

—

Garage

Pool

About this home

Hawthorne

Assumable Mortgage available $165k at 3 5/8% interest rate. Step Back in Time Where History Meets Lakefront Serenity. Welcome to the Old McIntosh House -- a timeless historic gem believed to have been built in 1908, officially recorded in 1950. Lovingly restored and thoughtfully updated, this remarkable home perfectly blends Old Florida charm with modern comfort. Nearly 8 acres along spring-fed Lake Jeffords, one of North Central Florida's most peaceful and picturesque lakes. Built by Edgar Johnson, this one-of-a-kind residence first served as the Hawthorne town library before being carefully relocated to its tranquil lakeside setting in 1990. Today, it stands as a living piece of history - surrounded by majestic oaks, natural landscaping, and about 200 feet of private lake frontage. Inside, this home's history shines through every detail: 11-foot ceilings, original cypress wood floors, handcrafted

Cost to own

Mortgage calculator

Home Price

$355,000

Down Payment: 20%

$71,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,793

Principal & Interest: $1,793

Est. Taxes & Insurance: $448

Estimated Total Monthly

$2,242

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$1,889

Estimated total, before insurance$1,889/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,845/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 1950)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,172 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History