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.
Property Details
Price:
$665,000
MLS #:
TB8516430
Status:
Active
Beds:
3
Baths:
3
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
FLANIGAN C R SUB
Neighborhood:
33823auburndale
Listed Date:
Jun 5, 2026
Finished Sq Ft:
3,488
Total Sq Ft:
5,501
Lot Size:
25,130 sqft / 0.59 acres (approx)
Year Built:
1973
See this Listing
Schools
Elementary School:
Auburndale Central Elem
Middle School:
Stambaugh Middle
High School:
Auburndale High School
Interior
Appliances
Dishwasher, Disposal, Ice Maker, Range, Range Hood, Refrigerator, Wine Refrigerator
Bathrooms
3 Full Bathrooms
Cooling
Central Air
Flooring
Ceramic Tile, Laminate, Porcelain Tile, Hardwood
Heating
Central
Interior Features
Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s), Wet Bar, Window Treatments
Laundry Features
Inside
Levels
One
Exterior
Attached Garage YN
1
Construction Materials
Block, Stucco
Covered Spaces
2
Direction Faces
East
Exterior Features
Irrigation System, Lighting, Sidewalk, Sliding Doors
Fencing
Chain Link, Fenced, Vinyl
Garage Spaces
2
Lot Features
City Lot, Sidewalk
Open Parking YN
1
Other Structures
Shed(s)
Parking Features
Circular Driveway, Driveway, Oversized
Patio And Porch Features
Covered, Deck, Enclosed, Front Porch, Patio, Porch, Rear Porch, Screened
Roof
Shingle
Security Features
Smoke Detector(s)
Spa Features
In Ground
View
Water
Waterfront Features
Lake Front
Window Features
Blinds, Window Treatments
Financial
Tax Year
2025
Taxes
$7,447
Map
Community
- Address331 BAY STREET AUBURNDALE FL
- SubdivisionFLANIGAN C R SUB
- CityAUBURNDALE
- CountyPolk
- Zip Code33823
Market Summary
Current real estate data for Single Family in AUBURNDALE as of Oct 31, 2026
277
Single Family Listed
122
Avg DOM
203
Avg $ / SqFt
$405,456
Avg List Price
Property Summary
- Located in the FLANIGAN C R SUB subdivision, 331 BAY STREET AUBURNDALE FL is a Single Family for sale in AUBURNDALE, FL, 33823. It is listed for $665,000 and features 3 beds, 3 baths, and has approximately 3,488 square feet of living space, and was originally constructed in 1973. The current price per square foot is $191. The average price per square foot for Single Family listings in AUBURNDALE is $203. The average listing price for Single Family in AUBURNDALE is $405,456. To schedule a showing of MLS#tb8516430 at 331 BAY STREET in AUBURNDALE, FL, contact your CENTURY 21 Carioti agent at 2392986550.
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Courtesy of DIVINE ESTATES REALTY LLC. Disclaimer: All data relating to real estate for sale on this page comes from the Broker Reciprocity (BR) of the Orlando/Tampa – FL. Detailed information about real estate listings held by brokerage firms other than CENTURY 21 Carioti include the name of the listing broker. Neither the listing company nor CENTURY 21 Carioti shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. The Broker providing this data believes it to be correct, but advises interested parties to confirm any item before relying on it in a purchase decision. Copyright 2026. Orlando/Tampa – FL. All rights reserved. 331 BAY STREET
AUBURNDALE, FL