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List Price

$229,900

106 Sunnyside Beach, Hawthorne, FL 32640

248 days on market↓ $25K from original list price

Estimated Payment

$2,040/mo

$0 down with a USDA loan and current market rates

Bedrooms2 bdBathrooms2 baLiving area1,096 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1945

Listed by

Roger Buz

CENTURY 21 LAKESIDE REALTY

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  • Close in one place

A ROOMY CABIN ON COWPEN LAKE. Right in the heart of North Central Florida in the area known as THE LAKE REGION is this cozy 2/2 cabin with lots of possible sleepover areas for the Big Family and parties or just your own quiet private retreat. The 1.5 acre property is located on Cowpen Lake, known for its clearwater, as compared to other lakes. It is a fully recreational lake where you can enjoy Wake Surfing, Fishing, Swimming, Skiing, Kayaking, Tubing, Canoeing and more. This mostly block constructed home is perfecting set high on the lot with nice shady Oak Trees with a full length screened porch over looking 180 feet of lakefront with dock and a white sandy beach area for swimming. The property location is even great for those still commuting - its almost centrally located between Gainesville, Palatka, and Ocala Florida. Even the Historic Town of Melrose is nearby for eating out, cultural actives, vendors, first Friday art walks, regular music events and so much more. Your welcome to see what the entire Lake Region is all about. To see what the rural lake life could be here for you, your even welcomed to do a drive-by of this property, and be sure to explore the entire area.

106 Sunnyside Beach, Hawthorne, FL 32640 in Hawthorne, FL 32640 is listed for $229,900. The home has 2 bedrooms, 2 bathrooms, and 1,096 square feet, and was built in 1945. Listed 248 days ago. The price was reduced from $254,900. The listing is held by CENTURY 21 LAKESIDE REALTY.

32640 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,526 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$2,040/moest.

0% down -- about $394 more per month than 20% down conventional.

  • Principal & Interest 77%
  • Property Taxes 10%
  • Insurance 9%
  • USDA Fee 3%
Principal & Interest
$1,570
Property Taxesfrom listing
$210
Insurance
$192
USDA Annual Fee
$68

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$2,299

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $2,040, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,526 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR783719861. HomeJam is not the listing broker.

List Price

$229,900

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