122 Cowpen Ln, photo 1
Active
1 / 68

Overview

4 bd3 ba2,401 sqftSingle Family
TypeSingle Family
HOANone listed
Built1979
Lot31,363 sqft
Living area2,401 sqft
Price / sqft$165

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

High CeilingsBalconyDishwasher

122 Cowpen Ln is a 1979-built home in Cowpen, Hawthorne. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,401 square feet of living space. Listed at $395,000 (about $165/sqft), 90 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Experience the perfect blend of country living and modern convenience with this exceptional lakefront property offering breathtaking water views and outstanding privacy. Situated on a peaceful homesite, this spacious 4-bedroom, 3-bathroom home provides plenty of room for family, guests, or a home office. Relax on the inviting porch while taking in the picturesque lake views and peaceful surroundings, or entertain family and friends in the spacious outdoor living areas. A detached studio offers flexible space for a home office, art studio, fitness room, or guest retreat. The property also includes two storage sheds, providing ample room for tools, equipment, and outdoor equipment, while a whole-home generator provides dependable backup power for added peace of mind. Whether you're searching for a full-time residence or a private country retreat, this unique lakefront property offers the perfect combination of space, privacy, scenic beauty, and versatility. Enjoy the tranquility of waterfront living while still having the comforts and conveniences of home. Don't miss this rare opportunity to own your own slice of paradise.

The essentials

Built
1979
Price / sqft
$165
On market
90 days
Annual tax
$4,754
Flood zone
X · Low risk
Lot
31,363 sqft
Type
Single Family Residence

At a glance

Single family
Built 1979
Waterfront
Lake Front
0.72 acres
Lot size
2,401 sqft
Living area

Payment

Est. monthly payment
$2,654/mo
Down payment (20%)
$79,000
Property taxes
$396/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1979
Lot
31,363 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Lake Front
Days on Market
90
High Ceilings
Balcony
Dishwasher
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,754
Parcel #
22-10-23-0000-1580-0000

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
County
Putnam
MLS Area
32640 - Hawthorne
Lot Size
31,363 sqft

Price history

Date
Event
Price
7/17/2026
Listed for sale
Source: Stellar MLS #GC542056
$395,000
$165/sqft

Neighborhood

122 Cowpen Ln
Hawthorne, FL, 32640 · 32640 - Hawthorne

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$387,500 – $395,000
98.2% – 100% of listTops out right at the list price
80% of listList price
39 of the last 77 home closings in 32640 landed at this number or higher (51%). The median one sat 33 days before it went under contract, and this one is on day 90.

Sample: 77 closed home sales in 32640 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,654/mo
Principal & interest$2,060
Property taxes$396
Insurance$198
Down payment20% · $79,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$395,000

$165 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,401 sq ft

Time on market

90 days

Year built

1979

Monthly payment

About $2,654/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,754 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.

Offer

What should I offer?

Have another question?

Brokered byRASCOVICH REALTY GROUP LLCListing agent: Matt RascovichListing data from Stellar MLS, MLS# GC542056.

Keep exploring Florida

Pick up where you left off, or see what else is out there.