Active·176 days on market
120 Peach Avenue
Hawthorne, FL 32640
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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
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
Opportunity meets location with this 3-bedroom, 2-bath home in the Lak-A-Wana Gardens community. NO HOA! This property offers a functional layout and multiple outdoor living spaces designed to enjoy Florida living. The home features a metal roof, a large covered front porch, views of Lak-A-Wana, and a spacious screened side porch off one of the bedrooms-perfect for relaxing mornings or evening unwinding. The .30-acre fenced yard provides room for pets, gardening, or outdoor entertaining. A standout feature is the large garage, ideal for storage or a workshop, along with a carport positioned in front for additional covered parking. The garage does need a new roof. Enjoy deeded access to Lak-A-Wana, lakefront park with a dock and boat ramp, perfect for fishing, boating, and soaking in the peaceful, uncrowded setting. The area is loved for its small-town charm, natural surroundings, and central convenience. With easy access to Gainesville, Palatka, and Ocala, plus nearby trails, lakes
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 (that applies to the reference bill above too).
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 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · 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: ~1,482 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 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $2,590/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.
History
Price & status history
- Apr 17, 2026Listed$199,000
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 $123/sq ft; this home is listed at $147/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 266 Ash Street, Hawthorne, FL 32640Listed by REAL BROKER LLC | Sep 2026 | $57,000 | $46 | 3/2 | 1,248 | 18 | 0.1 |
| 249 Ash Street, Hawthorne, FL 32640Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $135,000 | $94 | 3/2 | 1,436 | 69 | 0.2 |
| 139 Depot Road, Hawthorne, FL 32640Listed by ALL REAL ESTATE OPTIONS INC | Jun 2026 | $208,500 | $174 | 3/1 | 1,200 | 669 | 0.7 |
| 114 San Jose Boulevard, Hawthorne, FL 32640Listed by TIMBER TO TIDES REALTY LLC | May 2026 | $199,000 | $123 | 4/2 | 1,620 | 111 | 1.2 |
| 110 Silver Lake Drive, Hawthorne, FL 32640Listed by INTERLACHEN REALTY SERVICES, INC | Jul 2026 | $135,000 | $94 | 4/2 | 1,440 | 137 | 2.4 |
| 143 Little Orange Lake Drive, Hawthorne, FL 32640Listed by RIVER LIFE REALTY LLC | Oct 2026 | $260,000 | $166 | 3/2 | 1,568 | 17 | 2.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: IHEART REALTY INC
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