IDX

Listed by Nehad Darwish · Courtesy of DIVINE ESTATES REALTY LLC · Agent MLS ID# MFR261548480 · Deemed reliable but not guaranteed. · Listing updated: Oct 22, 2026 · 3:25 PM

331 BAY ST

Auburndale, Polk, FL, 33823

Active

$699,000

$200/sqft

3Beds
3Baths
3,488Sq Ft
1973Built
139Days on Market

About this home

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.

Facts & Features

MFRTB8516430
$699,000
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

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
139
R-1
East
No

Mortgage Calculator

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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.

139 days on market

Listing updated: Oct 22, 2026 · 3:25 PM

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

Updated from Real Estate Market Data

Location

Ahmed ElbatrawyAhmed ElbatrawyEmpire Network Realty

Get in Touch

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