$550,000
198 LAKE RAY Road
Hawthorne, FL 32640
MLS# 2126225
4 beds  |  3 baths
198 Lake Ray Rd
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Property Description
Experience ''Lake Life'' on stunning Cowpen Lake—a crystal-clear, 600+ acre, fully recreational paradise. Yes, no restrictions here. Bring your boats and jet skis. Whether it's your homestead or vacation home. (Airbnb Ready) This move-in-ready 4-bed, 2.5-bath, two-story home offers peaceful, quiet surroundings and friendly neighbors. 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. Eligible for a USDA loan.

Details
Documents
Contract Information
Property Attached YN: No
Current Price: $550,000
Property Sub Type: Single Family Residence
Status: Active
List Price: $550,000
Listing Contract Date: 2026-01-21
Location, Tax, and Legal
Country: US
Parcel Number: 271023000003520030
Tax Annual Amount: 7398.78
Tax Year: 2025
Tax Legal Description: PT OF GOVT LOT 1 OR342 P31 (LOT 3)
General Property Information
Lot Size Acres: 0.77
Bathrooms Half: 1
Living Area: 2193
Living Area Source: Appraiser
CDD Fee YN: No
Accessory Dwelling Unit Y/N: No
Association YN: No
Homestead YN: No
Waterfront YN: Yes
Water Frontage Feet: 90
Senior Community YN: No
Directions: From Melrose, SR21 & SR 26. Crpss SR 20 pmtp CR 20A, Left onto Copen Lake Point Rd. Left on Horse Ln. Right onto Lake Ray Rd. House on Right
Public Remarks: Experience ''Lake Life'' on stunning Cowpen Lake—a crystal-clear, 600+ acre, fully recreational paradise. Yes, no restrictions here. Bring your boats and jet skis. Whether it's your homestead or vacation home. (Airbnb Ready) This move-in-ready 4-bed, 2.5-bath, two-story home offers peaceful, quiet surroundings and friendly neighbors. 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. Eligible for a USDA loan.
Accessibility Features YN: No
New Construction YN: No
Garage YN: Yes
Garage Spaces: 3
Carport YN: No
Pool Private YN: No
Water Body Access YN: Yes
Stories: 2
List Price/SqFt: 250.8
Bedrooms Total: 4
Bathrooms Full: 2
Bathrooms Total: 3
Year Built: 1985
Appliances
Dishwasher: 1
Dryer: 1
Electric Range: 1
Microwave: 1
Refrigerator: 1
Washer: 1
Cooling
Central Air: 1
Electric: 1
Current Use
Residential: 1
Single Family: 1
Exterior Features
Boat Ramp - Private: 1
Dock: 1
Heating
Central: 1
Electric: 1
Listing Terms
Cash: 1
Conventional: 1
FHA: 1
USDA Loan: 1
VA Loan: 1
Parking Features
Additional Parking: 1
Garage: 1
Garage Door Opener: 1
RV Access/Parking: 1
Possession
Close Of Escrow: 1
Road Surface Type
Dirt: 1
Roof
Metal: 1
Sewer
Septic Tank: 1
Utilities
Electricity Connected: 1
Sewer Available: 1
Water Available: 1
View
Lake: 1
Water: 1
Water Source
Private: 1
Well: 1
Patio And Porch Features
Covered: 1
Porch: 1
Rear Porch: 1
Waterfront Features
Lake Front: 1
DPR Eligible
DPR Eligible: Yes
Location Tax and Legal
Street Number: 198
Street Name: LAKE RAY
Street Suffix: Road
County: Putnam
State: FL
Postal Code: 32640
MLS Area Major: 575-West Of SR-21
Subdivision Name: Government
Status Change Information
Major Change Timestamp: 2026-01-21T19:27:03Z
Major Change Type: New Listing
Property Features
Appliances: Dishwasher; Dryer; Electric Range; Microwave; Refrigerator; Washer
Utilities: Electricity Connected; Sewer Available; Water Available
Cooling: Central Air; Electric
Heating: Central; Electric
Water Source: Private; Well
Sewer: Septic Tank
Exterior Features: Boat Ramp - Private; Dock
Patio And Porch Features: Covered; Porch; Rear Porch
Roof: Metal
Parking Features: Additional Parking; Garage; Garage Door Opener; RV Access/Parking
View: Lake; Water
Waterfront Features: Lake Front
Current Use: Residential; Single Family
Road Surface Type: Dirt
Possession: Close Of Escrow
Listing Terms: Cash; Conventional; FHA; USDA Loan; VA Loan
Listing Office: KELLER WILLIAMS REALTY AT THE LAKES

Last Updated: January - 21 - 2026

Information deemed reliable but not guaranteed.

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