


$665,999
331 Bay StreetAuburndale, FL 33823
Listing updated: November 4, 2026 at 9:10 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
ASSUMABLE 3.25% VA LOAN AVAILABLE TO QUALIFIED BUYERS — NO VETERAN STATUS REQUIRED! RARE LAKEFRONT OPPORTUNITY! PRIVATE DOCK! SCREENED POOL! NEARLY 0.60 ACRES! NO HOA! Discover an extraordinary opportunity to own a beautifully renovated waterfront retreat on the stunning shores of Lake Ariana, complete with a potentially assumable VA loan at an exceptional 3.25% interest rate! Qualified buyers, including non-veterans, may be eligible to assume the seller's existing loan, subject to approval. This rare financing opportunity could provide substantial savings compared to today's prevailing mortgage rates. Welcome to 331 Bay Street, where timeless waterfront beauty meets modern comfort and the ultimate Florida lifestyle. Nestled on nearly 0.60 acres of picturesque lakefront property, this extensively renovated residence offers nearly 3,500 square feet of living space, 3 spacious bedrooms, 3 bathrooms, and an exceptional setting designed for relaxation and entertaining. Step inside to discover expansive windows that flood the home with natural light while showcasing breathtaking lake views. The thoughtfully designed floor plan features multiple generous living areas, a beautifully updated kitchen ideal for gathering, spacious bedrooms, and renovated bathrooms. Every space invites you to slow down, unwind, and enjoy the beauty of waterfront living. Outside, your private backyard oasis awaits. Spend sun-filled afternoons lounging beside the screened swimming pool, entertain family and friends in the expansive outdoor living areas, or escape to your private dock overlooking the sparkling waters of Lake Ariana. Enjoy boating, fishing, kayaking, paddleboarding, and unforgettable sunsets without ever leaving home. The expansive grounds offer mature landscaping, exceptional privacy, ample parking, and the freedom of NO HOA. Whether you're enjoying a peaceful morning overlooking the water or hosting an evening gathering beneath the Florida sky, this property offers a lifestyle that feels like a year-round vacation. Conveniently located near shopping, dining, entertainment, and major roadways, this exceptional home combines the tranquility of lakefront living with everyday accessibility. Ideal as a primary residence, second home, or private waterfront retreat, this is a remarkable opportunity to enjoy the space, privacy, and waterfront lifestyle you've been searching for. With nearly 0.60 acres, direct lake access, a private dock, screened swimming pool, extensive renovations, and the potential to assume a 3.25% VA loan, properties offering this combination of features are increasingly difficult to find. Schedule your private showing today and experience the beauty of Lake Ariana for yourself! VA loan assumption subject to servicer approval, buyer qualification, existing loan balance, and applicable requirements. Non-veterans may qualify.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history240 days on market
- Status: ActiveJun 6, 2026
- Listed$789,000Jun 5, 2026
- Price reduced$665,999
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 240
- Cumulative DOM
- 240
- Subdivision
- Flanigan C R Sub
- County
- Polk
- Year built
- 1973
- Living area
- 3,488 sq ft
- Price/sq ft
- $191
- Building area
- 5,501 sq ft (Owner)
- Lot size
- 25,130 sq ft
- Lot category
- 1/2 to less than 1
- Flood zone
- X (12105C0335G)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $7,447 (2025)
- Parcel #
- 25-28-02-309500-000130
- Zoning
- R-1
- MLS #
- TB8516430
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Flooring
- Ceramic Tile, Laminate, Tile, Wood
- Appliances
- Dishwasher, Disposal, Ice Maker, Range, Range Hood, Refrigerator, Wine Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s), Wet Bar, Window Treatments
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Circular Driveway, Driveway, Oversized
HOA & Financial
- Total monthly fees
- None
- Total annual fees
- None
- CDD
- No
- Homestead exemption
- Yes
- Listing terms
- Cash, Conventional, FHA, Other, USDA Loan, VA Loan
- Ownership
- Fee Simple
- Available for lease
- No
Exterior & Construction
- Exterior features
- Lighting, Sidewalk
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available, Water Available
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 25x24 |
| Kitchen | First | 23x9 |
| Family Room | First | 22x19 |
| Game Room | First | 19x11 |
| Foyer | First | 25x13 |
| Primary Bedroom | First | 26x21 |
| Bedroom 2 | First | 14x12 |
| Bedroom 3 | First | 13x9 |
| Laundry | First | 9x7 |
| Balcony/Porch/Lanai | First | 39x21 |
| Foyer | First | 11x5 |
| Bonus Room | First | |
| Balcony/Porch/Lanai | First | 25x12 |
Listing Details
- Listing date
- 2026-06-05
- On market date
- 2026-06-05
- Original list price
- $789,000
- Occupant type
- Owner
- MLS area
- 33823 - Auburndale
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-06-06
- Tax legal description
- FLANIGAN C R SUB PB 4 PG 67 LOT 13
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From US-92 in Downtown Auburndale, head north on FL-559 (Main Street), turn left onto Bay Street, and proceed to 331 Bay St. Home will be on the right near the waterfront.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of November 4, 2026 at 9:10 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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