186 Little Orange Lake Drive

• • 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.

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.

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.

• Feb 12, 2026Listed$372,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

• 

  For Sale

  335 S Carolina Street

  Hawthorne, FL 32640

  2 bd · 2.5 ba · 2,220 sq ft

  $350,900Est. $1,868/mo

  Listing Office: interlachen realty services, inc

  in Cooper Lake Terrace
• 

  For Sale

  103 Missouri Avenue

  Hawthorne, FL 32640

  4 bd · 3 ba · 1,735 sq ft

  $379,000Est. $2,017/mo

  Listing Office: pepine realty

  in West Lake Terrace