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Active - House for sale

331 BAY STREET, Auburndale, FL

3 bds|3 bth|3,488 sqft

Facts & features

House Property type
162 days on Beycome
1973 Year built
$191 Price/Sqft.
2 car garage Parking
25,130 sqft Lot size

Why you’ll love it

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.

Translating description...

Listings courtesy of DIVINE ESTATES REALTY LLC as distributed by MLS GRID.

Listed by: Nehad Darwish • nehad@divineestatesrealty.com • DIVINE ESTATES REALTY LLC

Co-listed by: DIVINE ESTATES REALTY LLC

Source: Stellar MLS as distributed by MLS GRID, MLS#: TB8516430 Stellar MLS as distributed by MLS GRID logo

Based on info available as of Nov 13, 2026 at 12:33 PM EST.

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Affordability

$435,000$900,000
1%20%
0%90%
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Estimated monthly payment

$3,988/mo

  • Mortgage$3,368
  • Property tax$621
  • HOA fee
  • Homeowners insurance
Due at closing$529,469
Down payment held in escrow$133,200
Closing costs$9,990
beycome credit Est.$13,320

Beycome estimates only. Actual amounts and terms vary by lender and location.

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$13,320 Credit back

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Travel times

About Flanigan C R Sub

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Flood & climate risk

FEMA Flood Zone X

Outside the high-risk Special Flood Hazard Area — flood insurance is usually optional but still worth considering.

More details

Source: FEMA National Flood Hazard Layer. Confirm on the FEMA Flood Map.

Disclaimer

Based on information submitted to the MLS GRID as of Nov 13, 2026 at 12:33pm EST. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

$665,999 Listed price

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$13,320 Credit back

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