331 BAY STREET, Auburndale, FL 33823

• 3 beds |
• 3 baths |
• 3,488 sqft

Property Description

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.

Listing Status:

Active

Date Added:

June 5, 2026

Data Last Updated:

August 14, 2026 at 2:24AM

Listing Office:

DIVINE ESTATES REALTY LLC : 813-401-1851

Listing Agent:

Nehad Darwish : 813-401-1851

Contact:

813-401-1851

MLS ID:

TB8516430

Interior

• General: Ceiling Fans(s)Eat-in KitchenHigh CeilingsOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsStone CountersWalk-In Closet(s)Wet BarWindow Treatments
• Rooms: Den/Library/OfficeFlorida RoomGreat Room
• Appliances: DishwasherDisposalIce MakerRangeRange HoodRefrigeratorWine Refrigerator
• Laundry: Inside
• Flooring: Ceramic TileLaminateTileWood
• A/C: Central Air
• Heating: Central

Exterior

• General: LightingSidewalkSliding DoorsIn Ground
• Other Structures: Shed(s)EnclosedPorchFront PorchDeckRear PorchScreenedPatioCovered
• Pool: DeckHeatedIn GroundScreen Enclosure
• Parking: Circular DrivewayDrivewayOversized

Construction

• Roofing: Shingle
• Windows: BlindsWindow Treatments
• General: BlockStuccoOneSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Polk

Lot

• Zoning: R-1FLANIGAN C R SUB PB 4 PG 67 LOT 1325-28-02-309500-000130
• View: Water
• Fencing: Chain LinkFencedVinyl

Utilities

• Utilities: Cable AvailableElectricity AvailableWater Available
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple