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194 WHIRLWIND Loop, Hawthorne, FL, 32640

4beds
2baths
1,456sqft
$268,000
$184price/sqft
$2,186/moest. monthly cost
$87,440/yrincome needed

About This Home

Seller open to concessions with acceptable offer. Welcome to this brand-new 2025 double-wide home, perfectly situated on just over 2 acres along peaceful Whirlwind Lake. Offering privacy, space, and a true country setting, this property features a gravel driveway off a paved road, creating both convenience and a clean, welcoming approach. Zoned AG, you'll have the freedom to bring animals and enjoy the flexibility of rural living at its finest. Inside, this thoughtfully designed home offers 4 bedrooms, 2 bathrooms, and 1,456 square feet of bright, modern living space. Enjoy water views right from your kitchen and dining area, creating the perfect backdrop for everyday living. Everything is brand new--including the well, septic system, and electric pole--providing peace of mind for years to come. Step outside to fresh sod surrounding the home, and a spacious concrete slab out back overlooking the lake-ideal for entertaining, relaxing, or future additions such as a garage, workshop, or storage building. Located in the private community of Melrose Landing, there is no HOA requirement unless you choose to join, which grants access to the private runway and clubhouse--a unique feature for aviation enthusiasts. While you'll feel tucked away in your own private retreat, you're just minutes from the charm and convenience of nearby communities like Melrose, Hawthorne, Interlachen and Keystone Height. All offer great festivals and a small-town feel surrounded by lakes and natural beauty. Spend your days enjoying Santa Fe Lake Park for boating, fishing, and relaxing by the water, or explore local creativity at Gallery 26. Dining options are plentiful, from classic Southern barbecue at Dianne's Old Time BarBq, to casual bites at Burger Barn, and fresh quick options at The Wrap Shack. Enjoy local favorites like Blue Water Bay Restaurant, along with cozy cafés and ice cream stops such as Frozen Pelican. Convenient grocery options and small-town shops make daily living easy and enjoyable. Hawthorne is rich in history and known for its agricultural roots and rural charm. Outdoor enthusiasts will love exploring Marjorie Kinnan Rawlings Historic State Park, biking or walking along the scenic Gainesville-Hawthorne State Trail, or enjoying nature at Little Orange Creek Nature Park. Fresh, locally grown produce can be found at Brown's Farm, adding to the area's authentic country lifestyle. All of this plus only 30 miles to UF Shands--one of Florida's top ranked hospitals. With lakefront access, acreage, agricultural zoning, and a completely new home, this property delivers the perfect combination of space, flexibility, and the peaceful Florida lifestyle. ALL PICTURES SHOWING FURNITURE is VIRTUALLY STAGED to show what the space could look like.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

3/10
3/10
Interlachen High SchoolGrades 7-124.1 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Walk-In Closet(s)
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,456 sqft

Property

Details

  • Parcel number: 011023574001000260
  • Zoning description: Agricultural

Features

  • Stories: 1
  • Has view: Yes
  • View description: Lake,Trees/Woods
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 2.03 Acres
  • Features: Agricultural

Parking

  • Parking features: Additional Parking,Other

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Tornado
Heat Wave
Strong Wind
Wildfire
Tsunami

FEMA Declared Disasters in Putnam County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,355$16,260
Home Insurance *$220$2,640
Property Taxes $414$4,968
Electricity $197$2,366
Total$2,186$26,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,948/yr
40% on housing$65,580/yr
45% on housing$58,293/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.3%
16.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 32640$150
Putnam County$151

vs Homes Sold Last Month

Median $/sqft

ZIP 32640$173
Putnam County$177

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-28Price change$268,000
2026-04-09Price change$276,000
2026-03-18Price change$282,000
2026-02-15Price change$294,000
2026-01-01Listed for sale$299,000
2024-10-18Sold$41,600

New Construction

AgentHEATHER HUNTER
BrokerageIHEART REALTY INC

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