Pending·187 days on market
175 Whirlwind Loop Loop
Hawthorne, FL 32640
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Hawthorne
IS NOW THE TIME TO MAKE YOUR MOVE BACK TO SOME COUNTRY LIVING? Right in the heart of the Lake Region near historic Melrose, Florida. On over 2 acres, is this roomy split floorplan 3-bedroom, 2-bath home. The home has recently been upgraded and remodeled, including: a metal roof, vinyl flooring throughout, complete wall finishing, electrical, lighting, plumbing, drain field and more. Two porches were added to enjoy some outside time cooking out with friends, family, looking over the chicken pen or sitting quietly watching all types of wildlife wandering through the property. The main very useful added improvement to this property is the new 30 x 26 metal building with cement flooring. Which includes a 10 ft overhang for carport or work area. This property is centrally located for an easy commute to Gainesville, Palatka, and Ocala Florida but especially Historic Melrose nearby where you'll find 6,000 acre Santa Fe Lake for all your water recreational needs like wake surfing, skiing
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, 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: Metal — year not disclosed (home built 1998)
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: ~1,553 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 homeAs 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.
Sun & Light
South-facing backyard — the year-round light lot
The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:27 AM, sunset 7:02 PM.
- The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
- A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
- Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
History
Price & status history
- Sep 7, 2026Pending$249,900
- Aug 28, 2026Price change$249,900−$20,000
- Jul 29, 2026Price change$269,900−$5,000
- Apr 6, 2026Listed$274,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $181/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 276 Melrose Landing Boulevard, Hawthorne, FL 32640Listed by CENTURY 21 LAKESIDE REALTY | Jul 2026 | $223,000 | $222 | 2/2 | 1,004 | 164 | 0.7 |
| 323 Lily Trail, Interlachen, FL 32148Listed by NICOSIA REALTY INC. | Aug 2026 | $201,000 | $176 | 3/2 | 1,140 | 11 | 1 |
| 158 Melrose Landing Boulevard, Hawthorne, FL 32640Listed by NORTH FLORIDA REAL ESTATE PARTNERS INC | Aug 2025 | $295,000 | $203 | 3/2 | 1,456 | 1 | 1.1 |
| 246 Rainbow Drive, Hawthorne, FL 32640Listed by NICOSIA REALTY INC. | Sep 2026 | $123,000 | $84 | 3/2 | 1,456 | 256 | 1.2 |
| 109 Sandpiper Drive, Hawthorne, FL 32640Listed by CENTURY 21 LAKESIDE REALTY | Apr 2026 | $260,580 | $181 | 3/2 | 1,440 | 53 | 1.9 |
| 128 Lakeview Court, Interlachen, FL 32148Listed by SMILEEHOUSE AUCTION CO LLC | Apr 2025 | $176,000 | $150 | 3/2 | 1,173 | 3 | 2.4 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CENTURY 21 LAKESIDE REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines