$597,000

198 Lake Ray Rd Hawthorne, FL 32640

Estimated payment $3,725/month

Total Views 17,577
4 Beds
2.5 Baths
2,193 Sq Ft
$272 Price per Sq Ft

Highlights

  • Hot Property
  • RV Access or Parking
  • Waterfront
  • Docks
  • Lake View
  • No HOA

About This Home

Experience ''Lake Life'' on stunning Cowpen Lake—a crystal-clear, 600+ acre, fully recreational paradise (quirky name, no cow pens here!). This move-in-ready 4-bed, 2.5-bath, two-story home offers peaceful, quiet surroundings, friendly neighbors, and minimal traffic. Enjoy breathtaking sunsets from the living room couch, back porch, beach lounger, or dock bench. The spacious back porch is perfect for reading and listening to the rain. Inside, the large open-concept kitchen flows into the dining and living areas—ideal for entertaining—while abundant natural light pours through the living room's picture window, multiple sliders, and skylights in both full baths. Features include Hardi Board siding, metal roof, maple cabinets, stainless double oven, and a detached oversized 3-car garage for all your toys. Landscaped with live oaks, sago palms, and a cement driveway, this home is ready for your lakefront adventures.

Listing Agent

Steven Judd

REAL BROKER LLC License #BK3296071 Listed on: 08/13/2025

REAL BROKER LLC

Co-Listing Agent

WILLIAM ELLIOTT JR

REAL BROKER LLC License #3269252

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $6,861

Year Built

  • Built in 1985

Lot Details

  • 0.77 Acre Lot
  • Waterfront
  • Dirt Road

Parking

  • 3 Car Detached Garage
  • Garage Door Opener
  • RV Access or Parking

Home Design

  • Metal Roof

Interior Spaces

  • 2,193 Sq Ft Home
  • 2-Story Property
  • Screened Porch
  • Lake Views

Kitchen

  • Double Oven
  • Electric Range
  • Microwave

Bedrooms and Bathrooms

  • 4 Bedrooms

Outdoor Features

  • Docks

Utilities

  • Central Heating and Cooling System
  • Private Water Source
  • Well
  • Private Sewer

Community Details

  • No Home Owners Association
  • Government Subdivision

Listing and Financial Details

  • Assessor Parcel Number 271023000003520030

Home Details

Home Type

Single Family

Est. Annual Taxes

$6,861

Year Built

Built in 1985

Lot Details

0

Parking

3

Listing Details

  • Property Type: Residential
  • Property Attached Yn: No
  • New Construction: No
  • Stories: 2
  • Year Built: 1985
  • Property Sub Type: Single Family Residence
  • Lot Size Acres: 0.77
  • Road Surface Type: Dirt
  • Subdivision Name: Government
  • Carport Y N: No
  • Garage Yn: Yes
  • General Property Information Living Area2: 2193.0
  • General Property Information Waterfront YN: Yes
  • General Property Information New Construction YN: No
  • Cooling Central Air: Yes
  • Cooling:Electric: Yes
  • General Property Information Accessibility Features YN2: No
  • Appliances Microwave: Yes
  • Appliances Refrigerators: Yes
  • Water Source Well: Yes
  • Road Surface Type Dirt: Yes
  • Sewer Private Sewer: Yes
  • General Property Information Senior Community YN: No
  • General Property Information Lot Size Acres: 0.77
  • General Property Information Carport YN: No
  • Utilities Electricity Connected: Yes
  • General Property Information Accessory Dwelling Unit YN: No
  • General Property Information:Pool Private YN: No
  • General Property Information Homestead YN: No
  • Special Features: None

Interior Features

  • Major Appliances: Electric Range, Microwave, Refrigerator
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Living Area: 2193.0
  • Appliances:Electric Range: Yes

Exterior Features

  • Waterfront: Yes
  • Exterior: Dock
  • Roof: Metal
  • View: Lake
  • Waterfront Features: Lake Front
  • Patio And Porch Features: Rear Porch, Screened
  • Exterior Features:Dock: Yes
  • Patio And Porch Features:Screened: Yes
  • Waterfront Features:Lake Front: Yes
  • Patio And Porch Features:Rear Porch: Yes
  • View:Lake: Yes

Garage/Parking

  • Attached Garage: No
  • Garage Spaces: 3.0
  • Parking Features: Detached, Garage, Garage Door Opener, RV Access/Parking
  • General Property Information:Garage Spaces: 3.0
  • Parking Features:Garage: Yes
  • Parking Features:Detached: Yes
  • Parking Features:RV AccessParking: Yes
  • Parking Features:Garage Door Opener: Yes
  • General Property Information:Garage YN: Yes

Utilities

  • Utilities: Electricity Connected, Water Connected
  • Cooling: Central Air, Electric
  • Cooling Y N: Yes
  • Heating: Central, Electric
  • Heating Yn: Yes
  • Sewer: Private Sewer
  • Water Source: Private, Well
  • Heating:Central: Yes
  • Heating:Electric3: Yes

Condo/Co-op/Association

  • Senior Community: No
  • Association: No

Association/Amenities

  • General Property Information:Association YN: No

Lot Info

  • Current Use: Residential, Single Family
  • Lot Size Sq Ft: 33541.2
  • Parcel #: 271023000003520030

Tax Info

  • Tax Annual Amount: 6860.52
  • Tax Year: 2024

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $6,861 $458,160 $74,910 $383,250
2023 $6,472 $444,800 $74,910 $369,890
2022 $5,451 $349,600 $32,770 $316,830
2021 $4,892 $281,290 $0 $0
2020 $3,357 $187,100 $0 $0
2019 $3,114 $165,720 $156,210 $9,510
2018 $2,987 $155,290 $151,600 $3,690
2017 $2,883 $144,820 $141,130 $3,690
2016 $2,885 $134,690 $0 $0
2015 $2,224 $135,299 $0 $0
2014 $2,253 $134,225 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/13/2025 08/13/25 For Sale $597,000 +94.1% $272 / Sq Ft
12/17/2023 12/17/23 Off Market $307,500 -- --
12/06/2021 12/06/21 Off Market $115,000 -- --
12/30/2020 12/30/20 Sold $307,500 -3.9% $140 / Sq Ft
11/13/2020 11/13/20 Pending -- -- --
10/26/2020 10/26/20 For Sale $319,900 +178.2% $146 / Sq Ft
08/29/2017 08/29/17 Sold $115,000 -34.2% $52 / Sq Ft
07/13/2017 07/13/17 Pending -- -- --
05/18/2017 05/18/17 For Sale $174,900 -- $80 / Sq Ft
Source: realMLS (Northeast Florida Multiple Listing Service)

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed $100 None Listed On Document
Quit Claim Deed $100 None Listed On Document
Warranty Deed $307,500 Attorney
Special Warranty Deed $117,000 Gullett Title Of Interlachen
Trustee Deed $90,200 None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $78,429 Credit Line Revolving
Previous Owner $276,750 New Conventional
Previous Owner $186,607 Credit Line Revolving
Previous Owner $105,200 Unknown
Previous Owner $87,300 Credit Line Revolving
Source: Public Records

About the Listing Agent

Steven Judd

REAL BROKER LLC

(352) 722-2549

Section Image

Steven is known for the relationships he builds with his long-term clients. This is not just about Buying or Selling homes for him. This is about the relationships he grows during the process, besides buying and selling he specializes in Investing and flipping homes. He is also certified as a Real Estate Planner specializing in Probate, Trust, 1031 exchanges, DST's and Senior Relocation Services. Being in real estate for over a decade, Steven has become one of the top-producing agents in NE

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Source: realMLS (Northeast Florida Multiple Listing Service)

MLS Number: 2103674

realMLS (Northeast Florida Multiple Listing Service)

APN: 27-10-23-0000-0352-0030