Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·57 days on market

1741 State Road 20

Hawthorne, FL 32640

$95,000$101/sqftEst. $484/moMLS# 2149620

Beds

Baths

936

Sq Ft

1958

Built

—

Garage

Pool

About this home

Hawthorne

EXCELLENT ROI!! CAN'T BEAT THE RETURN!! This recently updated 3 BED 1 BATH house is available for sale and would make GREAT for an investor! (New Paint throughout, new cabinet knobs, new kitchen faucet, newly painted exterior, newly painted interior, new doorknobs, new light fixtures throughout, newer water heater, newer walk in shower with fiberglass surround, newer breaker box, newer wood laminate floors throughout.) Home also has a brand new well pump and bladder tank installed in April 2025! Home is rented at $1,250 a month with a lease that doesn't end until 2/28/2027!

Cost to own

Mortgage calculator

Home Price

$95,000

Down Payment: 20%

$19,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$484

Principal & Interest: $484

Insurance (est.): $63

Estimated Total Monthly

$548

*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$484

Estimated total, before insurance$484/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$859/yr · $72/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): $859/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: material not specified — year not disclosed (home built 1958)

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: ~1,281 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