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106 E SUNNYSIDE BEACH Road, Hawthorne, FL, 32640

2beds
2baths
1,096sqft
$249,900
$228price/sqft
$2,010/moest. monthly cost
$80,400/yrincome needed

About This Home

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

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

3/10
3/10
Interlachen High SchoolGrades 7-127.5 mi

Construction

Condition

  • Year built: 1945

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Refrigerator

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eat-in Kitchen,Split Bedrooms
  • Flooring: Carpet,Wood

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 1,516
  • Total interior livable area: 1,096 sqft

Kitchen

  • Level: Main
  • Area: 96
  • Dimensions: 8.00 x 12.00

Living Room

  • Level: Main
  • Area: 400
  • Dimensions: 20.00 x 20.00

Master Bedroom

  • Level: Main
  • Area: 210
  • Dimensions: 14.00 x 15.00

Property

Details

  • Parcel number: 281023887000000080
  • Zoning description: Agricultural

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Front Porch,Porch,Rear Porch,Screened
  • Exterior features: Dock,Fire Pit,Other
  • Fencing: Other,Wire
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Lake Front

Lot

  • Lot size: 1.52 Acres
  • Features: Agricultural,Irregular Lot,Many Trees

Parking

  • Total spaces: 2
  • Parking features: Additional Parking,Carport,Detached Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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

  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Strong Wind
Tornado
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 $1,263$15,156
Home Insurance *$205$2,460
Property Taxes $345$4,140
Electricity $197$2,366
Total$2,010$24,120
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,914/yr
40% on housing$60,300/yr
45% on housing$53,600/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

$228This 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
2026-05-04Listed for sale$289,900
2026-03-30Listing removed$284,900
2026-03-27Price change$284,900
2026-03-11Listed for sale$254,900

For Sale by Agent

AgentROGER BUZ
BrokerageCENTURY 21 LAKESIDE REALTY

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