Auburndale, FL · Single Family Residence
331 Bay St
Active · MLS MFRTB8516430 · Listed by DIVINE ESTATES REALTY LLC · 813-401-1851.
THE SETTING, AND THE DETAILS
A closer look.
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.
The details that help you decide.
Details supplied with the listing. Information that was not provided is marked below.
Home essentials
- Price per square foot
- $200
- Full bathrooms
- 3
- Half bathrooms
- 0
- Heated living area
- 3488
- Lot size (acres)
- 0.59
- Lot size (sq ft)
- 25130
- Year built
- 1973
- Property type
- Residential
- Property style
- Not provided
Interior & rooms
- Interior features
- 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
- Appliances
- Dishwasher, Disposal, Ice Maker, Range, Range Hood, Refrigerator, Wine Refrigerator
- Flooring
- Ceramic Tile, Laminate, Tile, Wood
- Additional rooms
- Den/Library/Office,Florida Room,Great Room
Land, water & community
- Waterfront
- Yes
- Waterfront type
- Lake Front
- Water body / lake name
- LAKE ARIANA
- Water view
- Lake
- Dock
- Yes
- Dock features
- Dock - Open,Dock - Wood,Dock w/Electric,Dock w/o Water Supply
- Other views
- Water
- Lot features
- City Limits, Sidewalk, Paved
- Exterior features
- Lighting, Sidewalk
- Community amenities
- Street Lights
- Zoning
- R-1
- Current use
- Not provided
- Horse amenities
- Not provided
- Fencing
- Chain Link, Fenced, Vinyl
- Other structures
- Shed(s)
Pool, parking & systems
- Private pool
- Yes
- Pool features
- Deck, Heated, In Ground, Screen Enclosure
- Garage
- Yes
- Garage spaces
- 2
- Carport
- No
- Carport spaces
- Not provided
- Parking features
- Circular Driveway, Driveway, Oversized
- Fireplace
- No
- Fireplace features
- Not provided
- Heating
- Central
- Cooling
- Central Air
- Water supply
- Public
- Sewer
- Public Sewer
- Utilities
- Cable Available, Electricity Available, Water Available
Construction
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Stories
- Not provided
- Levels
- One
Location & schools
- City
- AUBURNDALE
- Subdivision
- FLANIGAN C R SUB
- County
- Polk
- ZIP code
- 33823
- Elementary school
- Auburndale Central Elem
- Middle school
- Stambaugh Middle
- High school
- Auburndale High School
Association, taxes & listing
- HOA / association
- No
- Association fee
- Not provided
- Fee frequency
- Not provided
- Included services
- Not provided
- Association amenities
- Not provided
- Additional association fee
- Not provided
- Additional fee frequency
- Not provided
- Condo fee
- Not provided
- Condo fee frequency
- Not provided
- Annual property taxes
- $7,447
- Tax year
- 2025
- Other annual assessments
- Not provided
- CDD
- No
- Listing status
- Active
- Days on market
- 139
- Listing broker
- DIVINE ESTATES REALTY LLC
- MLS number
- MFRTB8516430
Explore the area
Location supplied with the listing. Confirm boundaries and access for the property.
Listed by DIVINE ESTATES REALTY LLC · MLS MFRTB8516430
Source: mfrmls · Listing updated 2026-10-22 15:25:11 UTC.
Information is deemed reliable but is not guaranteed. Availability and details may change.
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