307 BAY STREET, AUBURNDALE, FL, 33823
Active6 days on marketListed Sep 16, 2026MLS #P4939912
About this home
307 BAY STREET
A lot of rich history in this Charming 2-Bedroom Home in Uptown Auburndale – Perfect for First-Time Buyers or Downsizers! Welcome to this adorable 2-bedroom, 1-bath home nestled on a quiet, quaint street nestled under shady Oaks in the heart of Uptown Auburndale, generous yard, nice upgrades, storage shed for all your tools, lawn mowers, etc. Enjoy walking distance to City Park, the local shops, and a variety of nearby restaurants—perfect for leisurely weekends or quick errands. The neighborhood boasts beautiful, shady oak trees and is perfect for walking or biking around the lake, making every day feel like a retreat. The kitchen provides a welcoming space for cooking and entertaining, and the stainless appliances stay including refrigerator, dishwasher, and stove. It connects to the living area. where the window treatments stay on the natural light that gets the morning sun. The carport offers convenient parking and great for unloading groceries. Step outside to your backyard entertainment area—ideal for gatherings, barbecues, or relaxing evenings under the stars with a breeze off the lake, one block away. Recent upgrades include improved electrical systems and a new window A/C unit with heat, enhancing comfort. The roof was replaced in 2023. Exterior enhancements: new brick paver work, tree trimming and landscaping, and a brand-new fence—adding privacy and curb appeal. Inside, you'll find fresh paint and new flooring that give the home a modern, inviting feel. This charming property combines a friendly neighborhood setting with thoughtful updates and upgrades. Don’t miss your chance to make this delightful home yours, or use as a delightful rental investment property!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
960
Sqft
0.21 ac
Lot size
1963
Year built
One
Levels
$226
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.
$1,722 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,722/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
vs edgeAI estimate
+20.6%
$/sqft vs Auburndale actives
$226 vs $190
Days on market
6 vs 57 typical
Where $226/sqft sits among the 253 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)
136 of 253
Auburndale actives have cut their price
Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the AUBURNDALE 33823 median. See the full Auburndale market guide →
Paper trail
This home's history
Reality check
What actually sold near 307 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 · Dec ’25$80,000
232 NOXON STREET
3 bd · 2 ba · 976 sqft · $82/sqft · 0 DOM
Sold · Feb ’26$120,000
117 COTTON COURT
2 bd · 2 ba · 980 sqft · $122/sqft · 8 DOM
Sold · Jul ’26$150,000
405 ARMOUR AVENUE
3 bd · 1 ba · 922 sqft · $163/sqft · 2 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 307 BAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 307 BAY STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
307 BAY STREET FAQs
What would the monthly payment be for 307 BAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,722/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 307 BAY STREET?+
The most recent tax bill on record (2025) was $2,268. 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 $217,000, this home is listed about 38% below the Auburndale median of $347,900. The market section on this page shows how the area is trending.
Which schools are assigned to 307 BAY STREET?+
Walter Caldwell Elementary School (elementary), Auburndale Senior High School (high), Jere L. Stambaugh Middle (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 MYERS REALTY · Karen Myers. MLS #P4939912.
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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