Listing data checked against the MLS November 11, 2026 at 1:42 PM ET · rechecked hourly
Listed by COOKIE KING REAL ESTATE, INC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
1Bedrooms
1Bathrooms
525Sq Ft
1979Year Built
$419Per Sq Ft
Waterfront
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
96% above
$/sq ft vs community
$419 here vs $214 median sold (12 mo)
Buyer leverage
Strong buyer advantage
113.1-month supply
113.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
20518 Se 177Th Place in Lochlossa, Hawthorne is listed at $220,000 (525 sq ft, about $419 per sq ft). That is 45% below Lochlossa's median closed sale of $400,000 over the last 12 months (59 recorded sales). Per square foot it is above the community's recent $214/sq ft by about 96%. It came to market within the past week. Listing facts: built in 1979, waterfront, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 1979 · 47 yrs
525 sq ft of living area
Active listing
No HOA reported by the listing (confirm)
Listing description
About this home
A RARE PIECE OF OLD FLORIDA ON LAKE LOCHLOOSA! Some properties are special not because of what has been built upon them, but because of what nature has created. This beautiful 2.39-acre waterfront property, with approximately 215 feet of Lake Lochloosa frontage, is one of those places.
Situated at the very end of the lake's limited residential development and bordered on one side by state-owned land, this property captures the unspoiled character of Florida that is becoming increasingly difficult to find. Lake Lochloosa has approximately 13 miles of shoreline, with only a small portion developed with residences and public access. Here, the natural landscape remains the defining feature.
The property is mostly cleared through the center, creating beautiful open spaces beneath magnificent granddaddy oaks and towering longleaf pines. Along the waterfront, majestic old-growth cypress trees stand as reminders of a Florida that existed long before the surrounding communities. It's a setting that invites you to slow down, appreciate the natural surroundings, and preserve something truly special.
And you don't have to wait to begin enjoying it! Included in the asking price is an exceptionally nice, nearly new 2022 Keystone Retreat 39-foot park model RV, comfortably appointed and completely sheltered beneath an impressive, exceptionally well-constructed pole barn. A spacious deck faces the lake, creating a wonderful outdoor living area for enjoying the scenery.
A newer walkway and dock provide access to the waterfront. The property is well equipped with a well and filtration system, septic connection, and both 30-amp and 50-amp RV hookups. An original cottage also remains on the property, offering a glimpse into its history.
Electricity is connected and operational, and the bathroom is functional, although significant floor damage in one area will require substantial repairs or renovation. Enjoy the feeling of being tucked away in nature without sacrificing convenience. Hawthorne is less than 10 minutes away, offering groceries, pharmacies, Tractor Supply, and everyday necessities, while Gainesville is just under 30 minutes away.
Lake Lochloosa is currently experiencing lower water levels due to prolonged drought conditions, presenting an opportunity to acquire exceptional waterfront acreage at a price that reflects today's conditions. An active railroad runs near the property, with a crossing along the access route. Trains pass at varying times, both day and night.
Whether you envision a comfortable weekend escape, a peaceful seasonal retreat, or eventually creating a permanent lakefront home, this property offers the opportunity to enjoy it today while imagining its possibilities for tomorrow. For those who appreciate the timeless beauty of natural Florida and the importance of preserving it, this is more than waterfront property. It's a piece of Old Florida worth protecting.
THIS IS A STRICT AS-IS CASH ONLY SALE. *The 2022 Keystone Retreat RV is included in the listing price. Buyers who prefer to purchase the property without the RV may negotiate accordingly.*
Description provided by COOKIE KING REAL ESTATE, INC and reproduced from the MLS; not independently verified.
Listing courtesy of COOKIE KING REAL ESTATE, INC · Listing agent: Cheri Jenkins · 352-528-5010Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
Estimate unavailable for this home right now. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when we can match at least 3 comparable closed sales from the last 18 months to this home. We could not assemble that set for this page today, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 525 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated November 11, 2026.
How it stacks up
Comparable recent sales
Comparable closed sales for this home are unavailable right now, so this page shows no comparable-sales median or automated estimate for LOCHLOSSA. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$220,000
Bed / bath1 / 1
Living area525 sq ft
Year built1979
Property typeSingle Family Residence
MLS #OM735459
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyAlachua
Area listings556 active · 115 under contract
Estimated first-year tax~$2,310/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$419
Estimated monthly payment$1,504
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$400,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,504/mo
Principal & interest $1,192/mo79%
Taxes $192/mo13%
Insurance $119/mo8%
$1,504/mo at 20% down, 30-yr @ 7.18% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
Buy at the asking price of $220,000 and the first-year bill resets to about $3,000/yr (Alachua County total millage 16.5552 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Alachua County is $1,020/yr (714 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote.
Roof and age
Built in 1979. An original roof would be about 47 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $335/month (tax $250, insurance $85). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,310/yr
Estimate: a typical Alachua effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Alachua County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Property timeline
This home’s history
1979BuiltPer public record
Nov 11, 2026First seen on our siteObserved at $220,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $220,000COOKIE KING REAL ESTATE, INC
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
51/100
Strongest on: Affordability (100), Pricing power (64)
0 limited50100 exceptional
51/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $419/sq ft vs the community 12-month median $214/sq ft.
Affordability100
List price $220,000 vs the community median $400,000. Not a measure of personal affordability.
Market liquidity39
Community median 39 days on market, ~113.1 months of supply (12-month record).
Pricing power64
Recent sales closed at about 95.3% of original asking (~4.7% below). More room below asking generally favors buyers.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $419 per square foot, about 96% above the community’s $214 median. Alachua County’s 12-month median sold price per square foot is $214. Confidence: Very High · 59 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Alachua County sales closed near 95.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending November 6, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 556 active listings in Alachua County, no CDD assessment.
Checked against the MLS November 11, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by COOKIE KING REAL ESTATE, INC · MLS # OM735459
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Keep looking
Similar homes for sale near LOCHLOSSA
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
Gainesville hires Colliers to market city property at Cornerstone on SE Hawthorne Road
On Oct. 15 the City Commission unanimously authorized negotiating a contract with Colliers Florida International to sell or lease city-owned parcels in the Cornerstone development, with a commission capped at 6%. The same meeting created a downtown rent-reduction program for tenants hosting public events, approved a 10-year tax exemption for improvements at the historic Gainesville Lodge at 413 W. University Ave., and set a city manager search with interviews in January.
Why it matters: Marketing the Cornerstone parcels could add commercial or mixed-use inventory along the SE Hawthorne Road corridor in coming years. The project is about 11 miles north of Zz Stellar Alachua Unassigned, elsewhere in Alachua County.
Gainesville celebrates $25 million HUD Choice Neighborhoods grant for East Gainesville
The city and Gainesville Housing Authority marked a $25 million HUD Choice Neighborhoods grant covering a 1.5-square-mile area of East Gainesville. Plans include 72 new units on a site near University Avenue and Williston Road and replacement of 100 units at Pine Meadows and Pine Terrace, with possible mixed-use development. The award was announced Sept. 3.
Why it matters: New and rehabilitated housing plus possible mixed-use space would add housing supply and services in East Gainesville. The project is about 11 miles north of Zz Stellar Alachua Unassigned, elsewhere in Alachua County.
Gainesville Plan Board recommends denying land use change for Cottages at Depot Park
The City Plan Board voted 4-3 to recommend denying a new land use and Urban 6 zoning for about 2 acres at the Cottages at Depot Park, which has about 37 existing units. The zoning would have allowed a drive-thru by right. The City Commission makes the final decision, and current zoning already allows redevelopment.
Why it matters: The outcome affects whether a small near-downtown parcel can be redeveloped at higher density with commercial uses. The project is about 10 miles north of Zz Stellar Alachua Unassigned, elsewhere in Alachua County.
Alachua County budgets $106 million for roads and expands pothole repair
County Manager Michele Lieberman said the 2026-27 budget includes $106 million for roads across a 700-mile network. The county now runs four pothole crews six days a week, added milling and resurfacing to its Watson Construction contract, and is adding a $500,000 amendment for more repairs.
Why it matters: Added road funding and resurfacing should improve driving conditions on county roads and affect commute reliability. The site is about 11 miles north of Zz Stellar Alachua Unassigned.
Schools currently assigned to this address in Alachua County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Alachua County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 20518 Se 177Th Place, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1979 (47 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Alachua County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 525 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,310/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: November 11, 2026)
Comparable sales
Comparable-sales estimate unavailable for this home right now — no medians or automated estimate shown
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 20518 Se 177Th Place and when was it built?
Per the listing record, 20518 Se 177Th Place was built in 1979 and has 525 sq ft of living area, 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 20518 Se 177Th Place in?
20518 Se 177Th Place is in Lochlossa in Hawthorne, Alachua County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 20518 Se 177Th Place have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 20518 Se 177Th Place differ from the current owner's?
The estimate on this page (about $2,310 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 20518 Se 177Th Place in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
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Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of COOKIE KING REAL ESTATE, INC
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
