
104 FLORADANDY ROAD, HAWTHORNE, FL, 32640
Pending72 days on marketListed May 23, 2026MLS #GC540590
About this home
104 FLORADANDY ROAD
NEW PRICE—NOW OFFERED AT $25,000! SELLER FINANCING AVAILABLE! This affordable land package includes two adjacent parcels totaling approximately 2.3 acres per owner survey and is located on a paved corner road near Hawthorne’s beautiful lakes. Enjoy a peaceful country setting with convenient access to Gainesville and Palatka. Qualified buyers may purchase the property with approximately 50% down, with the seller financing the remaining balance for up to three years at 6% interest. Seller financing is subject to seller approval, acceptable terms, verification of buyer qualifications, and properly prepared closing documents. The approximately 1.19-acre primary parcel includes a FEMA Letter of Map Amendment (LOMA) removing the designated build area from the Special Flood Hazard Area, although other portions of the parcel are mapped in Flood Zone A. The adjoining parcel is mapped in Flood Zone X, with a portion believed to be buildable. This additional parcel may also provide space for recreation, gardening, trails, storage, or other permitted uses. The property is zoned R-2 Residential. Potential uses may include a primary residence and other residential improvements permitted by Putnam County. Buyers should independently verify zoning, allowable uses, setbacks, wetlands, flood-zone information, buildable area, and all permitting requirements. Power is available along the road, and a power pole and meter base are already located on the property; however, electrical service is not currently connected. Well and septic will be required and must be evaluated and approved by the appropriate authorities. Whether you are looking for an affordable homesite, private country retreat, recreational property, or land investment, this two-parcel package offers flexibility at a hard-to-find price. Cash purchase price is $25,000. Seller-financing terms are negotiable and subject to seller approval. Parcels are being sold together only: 28-10-23-8870-0000-0280 and 28-10-23-8870-0000-0282. Buyer to verify all property information, acreage, surveys, zoning, utilities, flood zones, wetlands, buildability, and permitting with Putnam County, FEMA, utility providers, and the Florida Department of Health.
Facts & features
The home at a glance
2.3 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$342 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$342/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Hawthorne
Get to know Hawthorne. See the full Hawthorne guide →
HAWTHORNE 32640 — neighborhood snapshot
Population
10,780
Median age
46.2
Median income
$58,727
Median home value
$153,600
Avg household
2.51
Households w/ children
1,120
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Hawthorne market
$225K → $365K
Hawthorne median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
Median sold price, Hawthorne, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% below the HAWTHORNE 32640 median. See the full Hawthorne market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 104 FLORADANDY ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 104 FLORADANDY ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
104 FLORADANDY ROAD FAQs
What would the monthly payment be for 104 FLORADANDY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $342/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 104 FLORADANDY ROAD?+
The most recent tax bill on record (2025) was $288. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Hawthorne?+
At $25,000, this home is listed about 91% below the Hawthorne median of $263,450. The market section on this page shows how the area is trending.
Which schools are assigned to 104 FLORADANDY ROAD?+
Ochwilla Elementary School (elementary), Interlachen Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Wendy Swan. MLS #GC540590.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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