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Overview

3 bd3 ba3,488 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1973
Lot25,130 sqft
Living area3,488 sqft
Price / sqft$205
Garage2 car

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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 $715,000 (about $205/sqft), 131 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. Call for more info. 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
$205
On market
131 days
Annual tax
$7,447
Flood zone
X · Low risk
Lot
25,130 sqft
Type
Single Family Residence

At a glance

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

Payment

Est. monthly payment
$4,707/mo
Down payment (20%)
$143,000
Property taxes
$621/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

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
131
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
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 file Flood 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

Price history

Date
Event
Price
10/12/2026
Price change
Source: Stellar MLS #TB8516430
$715,000-4.5%
$205/sqft
-
Price change
Source: Stellar MLS #TB8516430
$749,000-5.1%
$215/sqft
6/5/2026
Listed for sale
Source: Stellar MLS #TB8516430
$789,000
$226/sqft

Neighborhood

331 Bay St
Auburndale, FL, 33823 · 33823 - Auburndale

Market insights

Offer Insights

Choose an offer strength

List price: $715,000
$710,000 – $715,000
99.5% – 100% of listTops out right at the list price
80% of listList price
165 of the last 278 home closings in 33823 landed at this number or higher (59%). The median one sat 34 days before it went under contract, and this one is on day 131 after a $74,000 cut.

Sample: 278 closed home sales in 33823 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,707/mo
Principal & interest$3,729
Property taxes$621
Insurance$358
Down payment20% · $143,000
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.

Quick answers.

Price

$715,000

$205 per sq ft

Beds and baths

3 beds, 3 baths

Size

3,488 sq ft

Time on market

131 days

Year built

1973

Monthly payment

About $4,707/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,447 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byDIVINE ESTATES REALTY LLCListing agent: Nehad DarwishListing data from Stellar MLS, MLS# TB8516430.

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