331 BAY STREET, AUBURNDALE, FL, 33823
Active67 days on marketListed Jun 5, 2026MLS #TB8516430
About this home
331 BAY STREET
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.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,488
Sqft
0.59 ac
Lot size
2
Garage
1973
Year built
One
Levels
$215
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$5,103 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,103/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Auburndale actives
$215 vs $189
Days on market
67 vs 57 typical
Where $215/sqft sits among the 232 Auburndale actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Auburndale
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Auburndale. See the full Auburndale guide →
AUBURNDALE 33823 — neighborhood snapshot
Population
39,146
Median age
40.8
Median income
$64,248
Median home value
$234,300
Avg household
2.89
Households w/ children
4,326
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Auburndale market
$316K → $345K
Auburndale median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
116 of 232
Auburndale actives have cut their price
Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 138% above the AUBURNDALE 33823 median. See the full Auburndale market guide →
Paper trail
This home's history
Reality check
What actually sold near 331 BAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$289,900
336 BAY STREET · same community
4 bd · 2 ba · 1,647 sqft · $176/sqft · 50 DOM
Sold · Aug ’26$430,000
155 PEARL STREET
4 bd · 2.5 ba · 2,180 sqft · $197/sqft · 132 DOM
Sold · Nov ’25$280,000
116 PALM AVENUE
4 bd · 3 ba · 1,880 sqft · $149/sqft · 54 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 331 BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 331 BAY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
331 BAY STREET FAQs
What would the monthly payment be for 331 BAY STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,103/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 331 BAY STREET?+
The most recent tax bill on record (2025) was $7,447. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Auburndale?+
At $749,000, this home is listed about 114% above the Auburndale median of $349,900. The market section on this page shows how the area is trending.
Which schools are assigned to 331 BAY STREET?+
Auburndale Central Elementary School (elementary), Jere L. Stambaugh Middle (middle), Auburndale Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$749,000 runs 138% above the AUBURNDALE 33823 median — but at 3,488 sqft it's also nearly twice the size of the typical Auburndale listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $789,000, now $749,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DIVINE ESTATES REALTY LLC · Nehad Darwish. MLS #TB8516430.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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