Virtual TourMap

For SaleSingle Family ResidenceActive

331 Bay Street

Auburndale, FL 33823

$665,999

161 Days On Site

  • 3Beds
  • 3Baths3 full
  • 3,488Sq Ft
  • $191Per Sq Ft
  • 0.59Acres
  • 1973Built
Subdivision
Flanigan C R Sub
County
Polk
MLS®
TB8516430

Overview

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.

Listing Snapshot

Price
$665,999
Days On Site
161 Days
Bedrooms
3
Inside Area (SqFt)
3,488 sqft
Total Baths
3
Full Baths
3
Partial Baths
0
Lot Size
0.59 Acres
Year Built
1973
MLS® Number
TB8516430
Status
Active
Property Tax
$7,447 (2025)
HOA/Condo/Coop Fees
N/A
Sq Ft Source
Owner

Property Details

General Features

15 items
Acres
0.59
Attached Garage
Yes
Direction Faces
East
Foundation
Slab
Garage
Yes
Garage Spaces
2
Levels
One
Parking
Circular Driveway, Driveway, Oversized, Attached
Property Sub Type
Single Family Residence
Security
Smoke Detector(s)
Sewer
Public Sewer
SqFt Total
5,501
Utilities
Cable Available, Electricity Available, Water Available
Water Source
Public
Zoning
R-1

Interior Features

19 items
Appliances
Dishwasher, Disposal, Ice Maker, Range, Range Hood, Refrigerator, Wine Refrigerator
Cooling
Central Air
Flooring
Ceramic Tile, Laminate, Tile, Wood
Furnished
Unfurnished
Heating
Central
Interior
Eat-in Kitchen, High Ceilings, Open Floorplan, Stone Counters, Walk-In Closet(s), Wet Bar
Laundry Features
Inside
Window Features
Window Coverings, Blinds, Window Treatments

Rooms

RoomDimensionsLevelFeatures
Balcony/Porch/Lanai25x12First
Bedroom 214x12First
Bedroom 313x9First
Bonus RoomFirst
Family Room22x19First
Foyer11x5First
Game Room19x11First
Kitchen23x9First
Laundry9x7First
Living Room25x24First
Master Bedroom26x21First

Exterior Features

15 items
Construction Details
Block, Stucco
Exterior
Lighting, Dock
Fencing
Chain Link, Fenced, Vinyl
Lot Features
Paved, Waterfront
Other Structures
Shed(s)
Patio And Porch
Covered, Deck, Enclosed, Front Porch, Patio, Porch, Rear Porch, Screened
Pool Features
Heated, In Ground, Screen Enclosure, Private
Private Pool
Yes
Roof
Shingle
Spa Features
In Ground
View
Lake, Water
Waterfront
Yes
Waterfront Features
Lake Privileges, Lake Front
Waterview
Lake, Water
Windows/Doors
Window Coverings, Blinds, Window Treatments

Community Features

5 items
Community Features
Street Lights
MLS Area
33823 - Auburndale
Township
28
Financing Terms Available
Cash, Conventional, FHA, USDA Loan, VA Loan
Roads
Paved

Location

331 Bay Street, Auburndale, FL 33823 · 33823 - Auburndale

Neighborhood & Commute

ZIP Code 33823

Median household income
$65,104
Income per person
$33,529
Households
13,909
Average household size
2.59
Median age
43.2

Source: Walk Score.

Disclosure: Community information and market data powered by Constellation Data Labs. Information is deemed reliable but not guaranteed.

Schools

Elementary School
Auburndale Central Elem
Middle School
Stambaugh Middle
High School
Auburndale High School

Price & Status History

  1. Listing updated with changes from the MLS®
  2. Price changed to $665,999
  3. Status changed to Active
  4. Listing first seen on site

Friends & Family

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Listing courtesy of DIVINE ESTATES REALTY LLC (813) 401-1851

Stellar MLS

Listing information is provided by Participants of the Stellar MLS. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Properties displayed may be listed or sold by various participants in the MLS Copyright 2026, Stellar MLS.

Last checked: 2026-11-13 11:20 AM EST

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