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Active

Active·126 days on market

120 Peach Avenue

Hawthorne, FL 32640

$199,000$147/sqftEst. $1,022/moMLS# 2140541

Beds

Baths

1,352

Sq Ft

2006

Built

Garage

Pool

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

Mortgage calculator

Home Price

$199,000

Down Payment: 20%

$39,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,022

Principal & Interest: $1,022

Insurance (est.): $133

Estimated Total Monthly

$1,155

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,022

Estimated total, before insurance$1,022/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,590/yr · $216/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 (that applies to the reference bill above too).

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.

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 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

Price & status history

Apr 17, 2026Listed$199,000

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

Features

Price$199,000

Price / Sq Ft$147

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,352

Acres0.30 acres

Year Built2006

TypeResidential

Sub-TypeManufactured Home

StatusActive

# of Garages2

# of Carport Spaces2

Has PoolNo

Is WaterfrontNo

Community Information

Address120 Peach Avenue, Hawthorne, FL 32640

Area575-West Of SR-21

SubdivisionMetes & Bounds

CityHawthorne

CountyPutnam

StateFL

Zip Code32640

Lot Size13,068 sq ft

Parcel Number291023488000300100

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

SewerSeptic Tank

Water SourceWell

ParkingAdditional Parking, Detached Carport, Garage

ViewLake, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate

# of Stories1