177 E Cowpen Lake Rd, photo 1
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Overview

3 bd4 ba2,164 sqftSingle Family
TypeSingle Family
HOANone listed
Built1971
Lot74,052 sqft
Living area2,164 sqft
Price / sqft$231

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

About this home

Ceiling Fans(s)Open FloorplanSolid Surface CountersThermostatAwning(s)BalconyLightingPrivate Entrance

177 E Cowpen Lake Rd is a 1971-built home in N/A, Hawthorne. Inside you'll find 3 bedrooms, 4 bathrooms, and 2,164 square feet of living space. Listed at $499,900 (about $231/sqft), 49 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Are you searching for a rare opportunity to own a fully renovated LAKEFRONT POOL home offering some of the most beautiful sunsets? You found it! Welcome to 177 East Cowpen Lake Road, a beautifully renovated concrete-block home offering 3 bedrooms, 3.5 bathrooms, and nearly 2,000 square feet of living space, and direct access to Cowpen Lake - all situated on approximately 1.70 acres. Step inside, and you’ll immediately appreciate the warm character created by richly stained pine stairs, doors, and trim, perfectly complementing the home’s finishes and inviting lake-house atmosphere. The first floor is complete with a spacious bedroom and private en-suite bathroom, an intimate dining area, and a light-filled living room anchored by a beautiful red-brick fireplace. The fully renovated kitchen is sure to impress with sleek European-style slab cabinetry, granite countertops, and a brand-new stainless steel appliance package. Adjacent to the kitchen is a conveniently located half bath and built in study space. Upstairs, you’ll find two additional spacious bedrooms, each featuring its own private en-suite bathroom - providing exceptional comfort and privacy for family members and guests alike. Durable, low-maintenance flooring throughout means there is absolutely no carpet anywhere in the home. Step outside to your private lakefront oasis to find the recently resurfaced and remarcited swimming pool which overlooks Cowpen Lake. Whether you’re relaxing poolside, entertaining friends and family, or unwinding as the sun sets across the lake, this outdoor setting offers a lifestyle that is truly hard to replicate. Adding even more versatility to the property is a detached building, offering the perfect space for a workshop, guest suite, ADU, home office, studio, or the ultimate man cave. With its flexible potential, this additional structure provides valuable space for hobbies, guests, work, or recreation. Additional updates include a 2019 metal roof, new windows installed in 2024, complete replumbing and rewiring in 2024, and updated HVAC and water heater systems in 2025. Give us a call today to make this home your own!

The essentials

Built
1971
Price / sqft
$231
On market
49 days
Annual tax
$4,434
Flood zone
X · Low risk
Lot
74,052 sqft
Type
Single Family Residence

At a glance

Single family
Built 1971
Waterfront
Lake Front
Private pool
In Ground
1.70 acres
Lot size
2,164 sqft
Living area

Payment

Est. monthly payment
$3,226/mo
Down payment (20%)
$99,980
Property taxes
$370/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1971
Lot
74,052 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Heat Pump
Parking
-
Pool
In Ground
Waterfront
Lake Front
Days on Market
49
Ceiling Fans(s)
Open Floorplan
Solid Surface Counters
Thermostat
Awning(s)
Balcony
Lighting
Private Entrance
Private Mailbox
Private Yard
Storage
Freezer
Refrigerator
Elementary
Ochwilla Elementary School
High
Interlachen High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$4,434
Parcel #
22-10-23-0000-1402-0000

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
N/A
County
Putnam
MLS Area
32640 - Hawthorne
Lot Size
74,052 sqft

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #GC542859
$499,900-4.8%
$231/sqft
8/24/2026
Listed for sale
Source: Stellar MLS #GC542859
$524,900
$243/sqft

Neighborhood

177 E Cowpen Lake Rd
Hawthorne, FL, 32640 · 32640 - Hawthorne

Market insights

Offer Insights

Choose an offer strength

List price: $499,900
$490,000 – $499,900
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 49 after a $25,000 cut.

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
$3,227/mo
Principal & interest$2,607
Property taxes$370
Insurance$250
Down payment20% · $99,980
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

$499,900

$231 per sq ft

Beds and baths

3 beds, 4 baths

Size

2,164 sq ft

Time on market

49 days

Year built

1971

Monthly payment

About $3,226/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,434 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

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Brokered byKELLER WILLIAMS GAINESVILLE REALTY PARTNERSListing agent: Jonathan MillsListing data from Stellar MLS, MLS# GC542859.

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