198 Lake Ray RoadHawthorne, FL 32640Price: $550,000

  • Price: $550,000
  • Est. Mortgage of $/month
  • 126 Days on Market
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$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026
* All Figures are estimates. Check with your bank or proposed mortgage company for actual interest rates.
This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.
  • $550,000List Price
  • 4Bedrooms
  • 2Full Bath
  • 1Half Baths
  • 2,193Square Feet
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.

Property Details of 198 Lake Ray Road

Property Details

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Mortgage Calculator


$
$
%
Est. Mortgage:
$/month over payments
Federal 30-year interest rate: 6.51% last updated on May 21, 2026. * The above figures are estimates provided by Union Street Media using the FRED® API, and are not endorsed or certified by the Federal Reserve Bank of St. Louis. Check with your lender for actual interest rates.
Listed by STEVEN JUDD of KELLER WILLIAMS REALTY AT THE LAKES

 "Based on information submitted to Northeast Florida Association of REALTORS as of May 26, 2026 7:16 PM EDT . All data is deemed reliable but is not guaranteed accurate by the MLS. All information should be independently reviewed and verified for accuracy. IDX information is provided exclusively for consumers’ personal, noncommercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing."

 
 

 

 

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