IDX

Listed by Nehad Darwish · Courtesy of DIVINE ESTATES REALTY LLC· Agent MLS ID# MFR261548480 · Deemed reliable but not guaranteed. · Data last updated: Aug 10, 2026 · 10:55 PM

331 BAY ST

Auburndale, Polk, FL, 33823

Active

$749,000

$215/sqft

3Beds
3Baths
3,488Sq Ft
1973Built
66Days on Market

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. 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.

Facts & Features

MFRTB8516430
$749,000
Active
3
3
3
0
3,488 sqft
0.5900
1973
Residential
Single Family Residence
N/A

Community Information

331 BAY ST
Flanigan C R Sub
Auburndale
Polk
FL
33823
No

Amenities

N/A
N/A
No
Yes
Yes

Interior

Ceiling Fans(s), High Ceilings, Open Floorplan, Walk-In Closet(s), Eat-in Kitchen, Solid Wood Cabinets, Stone Counters, Window Treatments, Primary Bedroom Main Floor, Wet Bar
Central
Central Air
Laminate, Tile, Ceramic Tile, Wood
N/A
N/A
Dishwasher, Disposal, Ice Maker, Refrigerator, Range, Range Hood, Wine Refrigerator

Exterior

Sliding Doors, Lighting, Sidewalk
Block, Stucco
Slab
Shingle
Fenced, Chain Link, Vinyl
City Limits, Paved, Sidewalk

School Information

Auburndale Central Elem
Stambaugh Middle
Auburndale High School

Additional Information

June 5, 2026
66
R-1
East
No

Mortgage Calculator

This calculator provides estimates for informational purposes only and is not a loan offer, pre-approval, or commitment to lend. Actual rates, payments, and loan terms vary by lender and are subject to credit approval, income/asset verification, and market conditions. Property tax and homeowners insurance shown are estimates and may differ. PMI applies when the down payment is under 20%. For an official Loan Estimate, contact a licensed mortgage lender. DIVINE ESTATES REALTY LLC is a licensed real estate brokerage, not a mortgage lender. Equal Housing Opportunity.

66 days on market

Listing updated: Aug 10, 2026 · 10:55 PM

Listed by: Nehad Darwish · 813-530-1104DIVINE ESTATES REALTY LLC · 813-401-1851

Updated from Real Estate Market Data

Location

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brokerage

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