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$749,000

  • For Sale
  • Active
  • Single Family
  • 3 Beds
  • 3 Full Baths
  • 3,488 Sq. Ft.
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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.

Full Property Details for 331 Bay St

General

  • Price: $749,000
  • Taxes: $7,447 (2025)
  • Status: Active
  • Type: Single Family
  • Source: MidFloridaRegionalMLS
  • MLS ID: TB8516430
  • Updated: 8/10/2026
  • Added to Site: 99 day(s) ago

Interior

  • Number of Rooms: 13
  • 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
  • Appliances: Dishwasher, Disposal, Ice Maker, Range, Range Hood, Refrigerator, Wine Refrigerator
  • Furnishings: Unfurnished
  • Flooring: Ceramic Tile, Laminate, Porcelain Tile, Hardwood

Rooms

Bathrooms

  • Total Bathrooms: 3
  • Full Bathrooms: 3

Bedrooms

  • Total Bedrooms: 3

Other Rooms

  • Laundry: Inside

Additional Information

  • Pool: Yes
  • Private Pool: Yes
  • Pool Description: Deck, Heated, In Ground, Screen Enclosure
  • Spa Description: In Ground
  • Security/Safety: Smoke Detector(s)

Exterior

  • Exterior Features: Irrigation System, Lighting, Sidewalk, Sliding Doors
  • Deck/Patio: Covered, Deck, Enclosed, Front Porch, Patio, Porch, Rear Porch, Screened
  • Porch/Patio/Deck: Covered, Deck, Enclosed, Front Porch, Patio, Porch, Rear

Parking

  • Garage: Yes
  • Attached garage: Yes
  • Garage Spaces: 2
  • Covered Spaces: 2
  • Parking Features: Circular Driveway, Driveway, Oversized

Location

  • Area: 33823 - Auburndale
  • County: Polk
  • Development Name: 33823 - Auburndale
  • Subdivision: FLANIGAN C R SUB
  • Driving 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.
  • Direction Faces: East

School Information

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

Community

  • Community Name: 33823 - Auburndale

Heating & Cooling

  • Cooling Type: Central Air
  • Heating Type: Central

Utilities

  • Sewer: Public Sewer
  • Water District: LAKE ARIANA
  • Water: Public
  • Utility Description: Cable TV Available, Electricity Available, Street Lights, Water Available

Structural Information

  • Exterior Const.: Block, Stucco
  • Roof: Shingle
  • Windows: Blinds, Window Treatments
  • Stories/Levels: One
  • Square Feet: 3,488
  • Sq. Ft. Source: Owner
  • Year Built: 1973

Additional Structures

  • Other Structures: Shed(s)

Lot Features

  • Property View: Water
  • Lot Size (Acres): 0.59
  • Lot Size (Sq. Ft.): 25,130
  • Lot Size: 25130
  • Frontage: Street Paved
  • Street/Road Desc.: Paved
  • Fencing (Description): Chain Link, Fenced, Vinyl

Water Features

  • Water Front: Yes
  • Water View: Yes
  • Water Access: Yes
  • Water Access Desc: Lake
  • Water Extras: Yes
  • Water Front Name: LAKE ARIANA
  • Water Front Desc.: Lake Front

Financial Considerations

  • Tax Amount: $7,447
  • Tax Year: 2025

Disclosures and Reports

  • Ownership: Fee Simple
  • Special Conditions: None
  • Legal Description: FLANIGAN C R SUB PB 4 PG 67 LOT 13
  • Flood Zone Info: X
  • APN: 252802309500000130
  • Property ID: 252802309500000130

Listed by Divine Estates Realty Llc

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Listing agent

— 331 Bay St —

  • Divine Estates Realty Llc

Get Pre-Approved Today

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Be ready to buy your new home!

with our affiliated lender
NMLS#: 1598647

Get Pre-Approved

Schools serving 331 Bay St

School District:Polk County School District
NameGradesDistance
Auburndale Senior High School
1 Bloodhound Trail, Auburndale, FL 33823
9-120.3 mi
Auburndale Central Elementary School
320 Lemon Street, Auburndale, FL 33823
PK-50.8 mi
Jere L. Stambaugh Middle School
226 Main Street, Auburndale, FL 33823
6-80.1 mi
Disclaimer: School attendance boundaries provided by ATTOM Data Solutions and are for reference only. Contact the school directly to verify enrollment eligibility.

Price & Sales History for 331 Bay St Get Price Alerts and Save Property

Date
Details
Price
Change
Source
8/10/2026
Price Reduced
$749,000
-1.06%
MLS
7/23/2026
Price Increased
$757,000
0.93%
MLS
7/21/2026
Price Reduced
$750,000
-0.92%
MLS
7/10/2026
Price Reduced
$757,000
-4.06%
MLS
6/05/2026
Listed
$789,000
36.03%
MLS
4/08/2022
Sold
$580,000
—
Public Record
Get Price Alerts and Save Property
Disclaimer: Historical sales information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

Tax History for 331 Bay St

Year
Property Taxes
Change
Tax Assessment
Change
2025
$7,447
2%
$502,633
2%
2024
$7,292
2%
$492,267
3%
2023
$7,134
207%
$477,929
171%
2021
$2,325
-64%
$176,449
-54%
2022
$6,422
176%
$384,789
121%
2021
$2,325
2%
$174,013
2%
2019
$2,287
4%
$170,101
2%
2017
$2,192
—
$166,929
2%
2017
$2,192
1%
$163,496
2%
2016
$2,172
-1%
$160,133
1%
2015
$2,201
—
$159,020
1%
2014
$2,196
—
$157,758
1%
2013
$2,198
—
$155,427
—
View All
Disclaimer: Historical tax information is derived from public records provided by the county offices. Information is not guaranteed and should be independently verified.

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with our affiliated lender
NMLS#: 1598647

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Listed by Divine Estates Realty Llc

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331 Bay Street, Auburndale, FL 33823 (MLS# TB8516430) is a Single Family property with 3 bedrooms and 3 full bathrooms. 331 Bay Street is currently listed for $749,000 and was received on June 05, 2026. Want to learn more about 331 Bay Street? Do you have questions about finding other Single Family real estate for sale in Auburndale? You can browse all Auburndale real estate or contact a Coldwell Banker agent to request more information.

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