$749,000
331 Bay Street
Auburndale, FL 33823
Listing updated: September 18, 2026 at 10:55 AM ET
Listing courtesy of Divine Estates Realty Llc · Nehad Darwish · MLS #TB8516430 · Active · 813-401-1851Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
LAKEFRONT LIVING WITH AN ASSUMABLE 2.6% VA LOAN! Qualified buyers may be able to assume the existing VA loan at an incredible 2.6% interest rate, and you do NOT have to be a veteran to qualify for a VA loan assumption. Call for more info. This rare financing opportunity could mean substantial savings compared to today’s prevailing mortgage rates. Welcome to 331 Bay Street, an extensively renovated lakefront retreat situated on nearly 0.60 acres directly on beautiful Lake Ariana. Offering nearly 3,500 square feet of living space, this 3-bedroom, 3-bath home delivers the space, privacy, and waterfront lifestyle that make Florida living so special. Wake up to breathtaking lake views, spend the afternoon enjoying the water, and end your day watching the sunset from your private dock. Inside, expansive windows fill the home with natural light and showcase beautiful waterfront views throughout. The spacious floor plan offers multiple living and entertaining areas, an updated kitchen designed for gathering, generously sized bedrooms, and renovated bathrooms. Step outside to your private backyard oasis featuring a screened swimming pool, expansive outdoor entertaining areas, mature landscaping, and direct access to Lake Ariana. Boating, fishing, paddleboarding, pool days, and sunset evenings on the dock are all right outside your door. With NO HOA, ample parking, and convenient access to Central Florida, this property offers exceptional flexibility as a primary residence, second home, executive retreat, or investment property. Finding a lakefront home with nearly 0.60 acres, approximately 3,500 square feet, a private dock, swimming pool, NO HOA, AND the potential to assume a 2.6% VA loan is an opportunity that is difficult to duplicate. Schedule your private showing and experience the Lake Ariana lifestyle for yourself.
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 history105 days on market
- Status: ActiveJun 6, 2026
- Listed$789,000Jun 5, 2026
- Price reduced$749,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 105
- Cumulative DOM
- 193
- Subdivision
- Flanigan C R Sub
- County
- Polk
- Year built
- 1973
- Living area
- 3,488 sq ft
- Price/sq ft
- $215
- 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
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
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
- 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.
More homes like this
$600,000
473 Lake View Way
Auburndale, FL 33823
5 bd · 3 ba · 2,612 sqft
Lake Mariana Reserve Ph 2
MLS ID #S5155411, COLDWELL BANKER REALTY.
Listing provided by Stellar MLS
$625,000
118 W Juliana Way
Auburndale, FL 33823
3 bd · 3 ba · 2,324 sqft
Juliana West
MLS ID #L4962748, COLDWELL BANKER REALTY.
Listing provided by Stellar MLS
$640,855
5303 Castello Ave
Auburndale, FL 33823
5 bd · 5 ba · 3,136 sqft
Bellaviva
MLS ID #W7889654, MALTBIE REALTY GROUP.
Listing provided by Stellar MLS
$775,000
232 Magneta Loop
Auburndale, FL 33823
5 bd · 4 ba · 5,224 sqft
Estates/Aubrundale Ph 2
MLS ID #O6405101, BEYCOME OF FLORIDA LLC.
Listing provided by Stellar MLS
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 September 18, 2026 at 10:55 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA