Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·207 days on market

21920 SE 111th Avenue

Hawthorne, FL 32640

$434,500$216/sqftEst. $2,241/moMLS# 2124961

Beds

Baths

2,011

Sq Ft

2023

Built

Garage

Pool

About this home

Hawthorne

Spacious 4 bedroom, 2 bath home with oversized 2 car garage in Lakeshore Gardens. 1 acre lot directly off of a paved road. Lakeshore Gardens is the home of Lake Jeffords, a 160 acre private lake. Step foot inside to an open living room/dining room combo with a cathedral ceiling. The kitchen has custom cabinetry, quartz counter tops, coffee bar, pantry, and a breakfast nook with large windows overlooking the back yard. All 3 guest bedrooms feature large walk in closets and have plenty of natural light. The guest bathroom features a tub/shower combo with a double vanity, also with matching quartz countertops. The large master bedroom has a tray ceiling and a large master bathroom/closet. The master bathroom has a spa like feel including an oversized double vanity with quartz counter tops and a huge walk in shower. Many upgrades - luxury vinyl plank flooring, 8ft doors, 9 ft. ceilings, double doors open out to the lanai, and outlets with USB ports, Fully Fenced. Schedule Today to See it.

Cost to own

Mortgage calculator

Home Price

$434,500

Down Payment: 20%

$86,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,241

Principal & Interest: $2,241

Insurance (est.): $290

Estimated Total Monthly

$2,530

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.69% · 30yr$2,241

Estimated total, before insurance$2,241/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.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,699 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History