$789,000
331 Bay Street
Auburndale, FL 33823
Listing updated: June 6, 2026 at 6:52 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
ASSUMABLE VA LOAN AVAILABLE AT AN INCREDIBLY LOW 2.6% INTEREST RATE! This is the waterfront lifestyle opportunity buyers have been waiting for. Nestled on a spacious 0.59-acre waterfront lot in the heart of Auburndale, this beautifully updated pool home offers the perfect blend of luxury, recreation, and everyday comfort with direct water access, a private dock, screened pool, expansive outdoor entertaining areas, and over 5,500 square feet of combined indoor and outdoor living space. From the moment you arrive, you'll appreciate the extensive upgrades and pride of ownership throughout. Major improvements include new roofs (2022 & 2024), fully remodeled bathrooms (2023), new flooring (2023), updated plumbing, hurricane-rated garage door (2023), new front and side windows (2023), three mini-split AC systems (2023), new irrigation pump, and fresh interior and exterior paint. These significant updates provide peace of mind while allowing you to immediately enjoy the home without the expense and hassle of major renovations. Designed for entertaining and enjoying Florida's outdoor lifestyle, the property features a screened pool, large screened porch, waterfront deck, private dock, and breathtaking water views. Whether you're enjoying your morning coffee overlooking the water, spending weekends boating and fishing, hosting family gatherings poolside, or relaxing with friends at sunset, this property delivers the true Florida waterfront experience. Inside, you'll find nearly 3,500 square feet of living space with generous room sizes, multiple gathering areas, a spacious primary suite, and flexible living spaces perfect for entertaining, working from home, or accommodating guests. The Florida room/game room provides additional space to enjoy the beautiful waterfront setting year-round. Conveniently located near Downtown Auburndale, Lake Ariana, local parks, restaurants, shopping, schools, medical facilities, golf courses, and just minutes from Interstate 4, you'll enjoy easy access to both Tampa and Orlando while still experiencing the charm and tranquility of waterfront living. In addition to being an exceptional primary residence or vacation retreat, this property offers outstanding short-term rental potential, making it an attractive opportunity for investors seeking income-producing waterfront property. Waterfront homes with a private dock, pool, extensive renovations, nearly 0.60 acres of land, short-term rental flexibility, and an assumable 2.6% VA loan are exceptionally rare. Don't miss this opportunity to own a move-in-ready waterfront retreat that offers an incredible lifestyle, significant recent upgrades, and one of the most attractive financing opportunities available in today's market.
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 history1 days on market
- Status: ActiveJun 6, 2026
- Listed$789,000Jun 5, 2026
- Price increased$789,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Cumulative DOM
- 89
- Subdivision
- Flanigan C R Sub
- County
- Polk
- Year built
- 1973
- Living area
- 3,488 sq ft
- Price/sq ft
- $226
- Building area
- 5,500 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
- $0/mo
- Total annual fees
- $0
- 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, Sliding Doors
- 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.
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 June 6, 2026 at 6:52 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.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA