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331 Bay St, Auburndale, FL, 33823

$215/sqft·Flanigan C R

3 bd3 ba3,488 sqft2 car garageSingle Family
Listed by DIVINE ESTATES REALTY LLC· Last updated · MLS# TB8516430

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Est. monthly payment
$4,901/mo
Down payment (20%)
$149,800
Property taxes
$621/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1973
Waterfront
Lake Front
Private pool
Heated
2 car garage
Circular Driveway
0.59 acres
Lot size

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsStone CountersWalk-in Closet(s)

331 Bay St is a 1973-built home in Flanigan C R Sub, Auburndale. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,488 square feet of living space. Listed at $749,000 (about $215/sqft), 66 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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.

The essentials

Built
1973
Price / sqft
$215
On market
98 days
Annual tax
$7,447
Flood zone
X · Low risk
Lot
25,130 sqft
Type
Single Family Residence

Location

331 Bay St
Auburndale, FL, 33823·33823 - Auburndale
Type
Single Family Residence
Year Built
1973
Lot
25,130 sqft
Cooling
Central Air
Heating
Central
Parking
Circular Driveway, Driveway, Oversized
Pool
Deck, Heated, In Ground, Screen Enclosure
Waterfront
Lake Front
Days on Market
98
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
Lighting
Sidewalk
Sliding Doors
Street Lights
Dishwasher
Disposal
Ice Maker
Range
Range Hood
Refrigerator
Wine Refrigerator

Elementary

Auburndale Central Elem

Middle

Stambaugh Middle

High

Auburndale High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$7,447

Parcel #

25-28-02-309500-000130

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Flanigan C R Sub

County

Polk

MLS Area

33823 - Auburndale

Lot Size

25,130 sqft

City LimitsSidewalkPaved
Date
Event
Price
8/10/2026
Price change
Source: Stellar MLS #TB8516430
$749,000-1.1%
$215/sqft
Price change
Source: Stellar MLS #TB8516430
$757,000-4.1%
$217/sqft
6/5/2026
Listed for sale
Source: Stellar MLS #TB8516430
$789,000
$226/sqft
Est. monthly payment$4,901/mo
Principal & interest$3,906
Property taxes$621
Insurance$375
Down payment20% · $149,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $749,000
$745,000 – $749,000
99.5% – 100% of listTops out right at the list price
80% of listList price
120 of the last 198 home closings in 33823 landed at this number or higher (61%). The median one sat 35 days before it went under contract, and this one is on day 98 after a $40,000 cut.

Sample: 198 closed home sales in 33823 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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