$749,000
$40K PRICE DROP

Estimated payment $4,753/month

Total Views 4,269
3 Beds
3 Baths
3,488 Sq Ft
$215 Price per Sq Ft

Highlights

  • 100 Feet of Lake Waterfront
  • Dock has access to electricity
  • 0.59 Acre Lot
  • Frank E. Brigham Academy Rated 9+
  • Screened Pool
  • Open Floorplan

About This Home

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 Agent

Nehad Darwish

DIVINE ESTATES REALTY LLC Brokerage Phone: 813-401-1851 License #3581162 Listed on: 06/05/2026

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $7,447

Year Built

  • Built in 1973

Lot Details

  • 25,130 Sq Ft Lot
  • 100 Feet of Lake Waterfront
  • Lake Front
  • East Facing Home
  • Vinyl Fence
  • Chain Link Fence
  • Mature Landscaping
  • Irrigation Equipment

Parking

  • 2 Car Attached Garage
  • Oversized Parking
  • Circular Driveway

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,488 Sq Ft Home
  • Open Floorplan
  • Wet Bar
  • High Ceiling
  • Ceiling Fan
  • Blinds
  • Sliding Doors
  • Entrance Foyer
  • Great Room
  • Family Room
  • Living Room
  • Den
  • Bonus Room
  • Game Room
  • Sun or Florida Room
  • Lake Views
  • Fire and Smoke Detector
  • Laundry Room

Kitchen

  • Eat-In Kitchen
  • Range with Range Hood
  • Ice Maker
  • Dishwasher
  • Wine Refrigerator
  • Stone Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Wood
  • Laminate
  • Ceramic Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Primary Bedroom on Main
  • Walk-In Closet
  • 3 Full Bathrooms

Pool

  • Screened Pool
  • Heated In Ground Pool
  • In Ground Spa
  • Fence Around Pool
  • Pool Deck

Outdoor Features

  • Access To Lake
  • Seawall
  • Dock has access to electricity
  • Dock Does Not Have A Water Supply
  • Dock made with wood
  • Open Dock
  • Deck
  • Enclosed Patio or Porch
  • Exterior Lighting
  • Shed

Schools

  • Auburndale Central Elementary School
  • Stambaugh Middle School
  • Auburndale High School

Utilities

  • Central Heating and Cooling System
  • Cable TV Available

Community Details

  • No Home Owners Association
  • Flanigan C R Sub Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$7,447

Year Built

Built in 1973

Lot Details

0.58 Acres

Parking

2

Listing Details

  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 3488
  • Lot Size Acres: 0.59
  • New Construction: No
  • Year Built: 1973
  • Building Area Total: 5501
  • Lot Size Sq Ft: 25130
  • Status: Active
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 511.06
  • Escrow City: Tampa
  • Escrow State: FL
  • Escrow Street Name: Gunn Hwy
  • RATIO Current Price By Calculate: 214.74
  • Total Acreage: 1/2 to less than 1
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Open,Dock - Wood,Dock w/Electric,Dock w/o Water Supply
  • MFR_DockYN: 1
  • Attribution Contact: 813-401-1851
  • Tax Year: 2025
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Ceramic Tile, Laminate, Tile, Wood
  • Full Bathrooms: 3
  • Interior Amenities: 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 Included: Dishwasher, Disposal, Ice Maker, Range, Range Hood, Refrigerator, Wine Refrigerator
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Spa Features: In Ground
  • Window Features: Blinds, Window Treatments
  • Additional Rooms: Den/Library/Office,Florida Room,Great Room
  • Living Area Meters: 324.05

Exterior Features

  • Direction Faces: East
  • Other Structures: Shed(s)
  • Pool Features: Deck, Heated, In Ground, Screen Enclosure
  • Exterior Features: Lighting, Sidewalk, Sliding Doors
  • Roof: Shingle
  • Pool Private: Yes
  • View: Water
  • Water Body Name: LAKE ARIANA
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Deck, Enclosed, Front Porch, Patio, Porch, Rear Porch, Screened
  • Road Surface Type: Paved
  • Water Access: Lake
  • Water Extras: Seawall - Other
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 100
  • Flood Zone Panel: 12105C0335G
  • Water Frontage Feet Lake: 100

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Circular Driveway, Driveway, Oversized

Utilities

  • Utilities: Cable Available, Electricity Available, Water Available
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Inside
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Street Lights
  • Association: No
  • Security: Smoke Detector(s)
  • Senior Community: No
  • Association 2 YN: 0

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Auburndale Central Elem
  • High School: Auburndale High School
  • Middle Or Junior School: Stambaugh Middle

Lot Info

  • Zoning: R-1
  • Parcel Number: 25-28-02-309500-000130
  • Additional Parcels: No
  • Fencing: Chain Link, Fenced, Vinyl
  • Lot Features: City Limits, Sidewalk, Paved
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished

Tax Info

  • Tax Annual Amount: 7447
  • Tax Book Number: 4-67
  • Tax Lot: 13

Multi Family

  • Waterfront Features: Lake Front

Map

Range of Values:

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Value Increase
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Percent Increase
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Adjusted for Inflation
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $7,447 $502,633 $121,000 $381,633
2024 $7,134 $492,267
2023 $7,134 $477,929 $86,900 $391,029
2022 $6,422 $384,789 $72,600 $312,189
2021 $2,325 $176,449 $0 $0
2020 $2,300 $174,013 $0 $0
2018 $2,256 $166,929 $0 $0
2017 $2,192 $163,496 $0 $0
2016 $2,172 $160,133 $0 $0
2015 $2,201 $159,020 $0 $0
2014 $2,108 $157,758 $0 $0
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
08/10/2026 08/10/26 Price Changed $749,000 -1.1% $215 / Sq Ft
07/23/2026 07/23/26 Price Changed $757,000 +0.9% $217 / Sq Ft
07/21/2026 07/21/26 Price Changed $750,000 -0.9% $215 / Sq Ft
07/10/2026 07/10/26 Price Changed $757,000 -4.1% $217 / Sq Ft
06/05/2026 06/05/26 For Sale $789,000 +36.0% $226 / Sq Ft
04/08/2022 04/08/22 Sold $580,000 -4.9% $164 / Sq Ft View Prior Sale
03/08/2022 03/08/22 Pending -- -- --
02/14/2022 02/14/22 Price Changed $610,000 -2.4% $173 / Sq Ft
01/21/2022 01/21/22 For Sale $625,000 -- $177 / Sq Ft
Source: Stellar MLS

Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Type Sale Price Title Company
Warranty Deed $580,000 New Title Company Name
Warranty Deed $50,000 None Available
Warranty Deed $210,000 Approved Attorney Title & Cl
Warranty Deed -- Approved Attorney Title & Cl
Warranty Deed $185,000 --
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Loan Amount Loan Type
Open $580,000 VA
Previous Owner $189,000 Purchase Money Mortgage
Source: Public Records

Source: Stellar MLS

MLS Number: TB8516430

Stellar MLS

APN: 25-28-02-309500-000130

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