0 Lake Ray Road, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot182,952 sqft

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About this home

0 Lake Ray Road is a home in Cowpen Lake, Hawthorne. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Looking for a little more room and a little less noise? This wooded 4.2-acre parcel in Putnam County offers a natural setting filled with mature trees and plenty of possibilities. Tucked away down a dirt road, the property is well suited for recreational use, a weekend escape, or simply owning a piece of Florida land to enjoy for years to come. With no existing structures, you have a blank slate to explore and make your own. The property is located adjacent to an electric substation. Bring your boots, walk the land, and imagine what you could do with 4.2 acres of your own.

The essentials

On market
33 days
Annual tax
$687
Flood zone
X · Low risk
Lot
182,952 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$400/mo
Down payment (20%)
$12,000
Property taxes
$57/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
182,952 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
33
Flood Zone X
Annual Tax (2025)
$687
Parcel #
27-10-23-0000-0352-1090

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cowpen Lake
County
Putnam
MLS Area
32640 - Hawthorne
Lot Size
182,952 sqft

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #FC321430
$60,000

Neighborhood

0 Lake Ray Road
Hawthorne, FL, 32640 · 32640 - Hawthorne

Calculator

Est. monthly payment
$400/mo
Principal & interest$313
Property taxes$57
Insurance$30
Down payment20% · $12,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$60,000

Time on market

33 days

Monthly payment

About $400/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $687 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byGREAT EXPECTATIONS REALTYListing agent: Amanda EdwardsListing data from Stellar MLS, MLS# FC321430.

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