Active·153 days on market
186 Little Orange Lake Drive
Hawthorne, FL 32640
About this home
Hawthorne
COZY LAKE HOUSE REDUCED! Waterfront, solid concrete block/Hardie-sided home on 1.82 acres with a new roof (4/8/26). Cedar paneling; hickory kitchen cabinets; large pantry; stone-look ceramic tile floors (carpet in bedrooms and LR); with stunning views of Little Orange Lake. Expansive 280sf deck with bench; 2 Bedrooms plus a flex area; a newer tiled shower in 2020; new HVAC in 2021, ceiling fans, track lighting; a whole house fan; and a wood-burning fireplace in the LR as a bonus. 294sf screened-in porch overlooks the lake. Laundry hook-ups newly run in-house. Chain-link fenced and cross-fenced yard with NEW 8' privacy fencing on north and south property lines; metal carport; private boathouse and dock (both recently expanded!) boasting running water, electricity, lights, and a fish-cleaning sink; a 10' x 12' shed is included. ORANGE TREES! FIBER-OPTIC CABLE access. A 576-acre lake that straddles the Alachua/Putnam line with less taxes. Less than 20 miles to Gainesville, FL.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
2025 property taxes (current owner): $210/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 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: Shingle — year not disclosed (home built 1976)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Likely septic · 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: ~1,735 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 homeInformational 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
Price & status history
- Feb 12, 2026Listed$372,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE ROCK REALTY OF FLORIDA, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines