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·47 days on market

19211 NE State Road 26

Hawthorne, FL 32640

$500,000$232/sqftEst. $2,571/moMLS# 2155169

Beds

Baths

2,154

Sq Ft

2000

Built

Garage

Pool

About this home

Hawthorne

Escape the hustle and embrace the peaceful country lifestyle on this beautiful 5-acre retreat, surrounded by mature pecan trees, and thoughtfully designed for both comfort and functionality. Ever dreamed of raising chickens, goats, pigs, horses, or creating your own private homestead? This exceptional property offers the space and freedom to make it a reality. Home is completely move-in ready, with modern finishes throughout. Updated kitchen with new appliances and cabinetry. New laminate floors, fully renovated bathrooms and fresh paint inside and outside. Whether you want to plant a garden, bring your RV and recreational toys, or simply relax beneath the shade of the gorgeous pecan trees, this is it! Ideally located less than 1½ hours from Jacksonville and approximately 2 hours from either Orlando or Tampa, you'll enjoy the serenity of country living without sacrificing access to Florida's major cities, world-famous attractions, shopping, dining, airports, and beautiful beaches.

Cost to own

Mortgage calculator

Home Price

$500,000

Down Payment: 20%

$100,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,571

Principal & Interest: $2,571

Insurance (est.): $333

Estimated Total Monthly

$2,904

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,571

Estimated total, before insurance$2,571/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,779/yr · $482/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): $5,779/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: Shingle — year not disclosed (home built 2000)

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: ~1,736 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 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