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Active

Active·159 days on market

6508 SE 222nd Drive

Hawthorne, FL 32640

$85,000$82/sqftEst. $433/moMLS# 2132307

Beds

Baths

1,040

Sq Ft

1972

Built

—

Garage

Pool

About this home

Hawthorne

Two-story home offering 3 bedrooms and 1 bath in 1,040 square feet of comfortable living space. Situated on a .12-acre lot, this property features an outdoor patio perfect for relaxing or entertaining, plus an exterior storage shed for added convenience. All bedrooms and the full bath are located upstairs, with a stair lift in place for handicap accessibility to the upper level. A versatile flex room provides endless possibilities--ideal for a home office, workout space, or artist studio. Located just minutes from downtown historic Hawthorne, you'll enjoy small-town charm with easy access to local shops and dining. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$85,000

Down Payment: 20%

$17,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$433

Principal & Interest: $433

Insurance (est.): $57

Estimated Total Monthly

$490

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$433

Estimated total, before insurance$433/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 1972)

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

Sewer records conflict — verify

The MLS lists “Septic Tank”, while Florida DOH records suggest central sewer. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,319 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

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