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Auburndale Homes For Sale with USDA Financing! 

What is USDA Financing? It is a government backed program that offers a 0% down loan. The address should be verified in their Eligibility Checker before moving forward to ensure it is in a USDA zone.

Want to know more? Check out our blog post about USDA financing!

USDA Financing Available Homes:

2364 Plum Avenue, Auburndale
$219,999
3 Beds ⋅ 2 Baths ⋅ Mobile Home Village SubDv. ⋅ 33823 Zip Code
Welcome home to 2364 Plum Ave in Auburndale, FL! This stunning 2026-built manufactured home with 3 bedrooms and 2 full bathrooms on its own lot. This home delivers peace of mind, durability, and energy-conscious living. Step inside to an inviting open-concept floor plan featuring 8-foot flat ceilings, crown molding, double-pane vinyl thermal windows, and stylish Belleville vinyl flooring throughout—no carpet! The modern kitchen is equipped with Bermuda Arctic cabinetry in Eastern White Oak finish, rolled countertops with Calacatta Cava laminates, a Mythology Santorini backsplash, a farmhouse stainless steel sink with a spring faucet, and a complete appliance package. The primary suite features a dual-sink vanity, oil-rubbed bronze hardware, and a full shower/tub combo. Two additional bedrooms and a full guest bath provide versatility for family, guests, or a dedicated home office. Outside, enjoy low-maintenance Clay vinyl siding with modern Board & Batten accents and a durable shingle roof. Located in a non-HOA neighborhood with easy access to US-92, I-4, and the Polk Parkway—ideal for easy commutes to Lakeland, Winter Haven, Orlando, or Tampa. Minutes from the Lake Myrtle Sports Complex, host to regional athletic tournaments, and the Auburndale TECO Trail, a popular 6.6-mile paved trail for cycling, running, and walking. (Lake Ariana Park offers a splash pad, walking trails, and picnic pavilions). 15 minutes South via US-92 (close to LEGOLAND Florida Resort) Schedule your showing today! Seller is offering up to 6% in seller concessions toward buyer closing costs or rate buydowns with use of seller’s preferred lender.

2364 Plum Avenue, Auburndale

2416 Taylor Rd S, Auburndale
$294,900
3 Beds ⋅ 2 Baths ⋅ Midway Gardens SubDv. ⋅ 33823 Zip Code
BRAND-NEW CONSTRUCTION • NO HOA • METAL ROOF • 2-CAR GARAGE • 1-YEAR BUILDER WARRANTY AT CLOSING! Welcome home to this beautifully finished 3 bedroom, 2 bath new construction home offering approximately 1,330 square feet (per the Appraisal Report) of heated living space and a spacious 2 car garage. Concrete block construction, topped with a durable metal roof, this thoughtfully designed home combines quality construction, attractive modern finishes and comfortable everyday living, all with NO HOA.Step inside and you'll immediately appreciate the bright, open feel created by the high ceilings, recessed lighting and luxury vinyl plank flooring. The open concept design seamlessly connects the living, dining and kitchen areas, creating an inviting space for entertaining, relaxing or simply enjoying life at home. The well appointed kitchen is the heart of the home and features quartz countertops, crisp white cabinetry, contemporary black hardware and fixtures, pendant lighting, stainless steel appliances and a generous center island. Window blinds are already installed and included, making this new home even more move-in ready.The spacious primary suite provides a comfortable retreat with a walk-in closet and private ensuite bathroom featuring a modern, contemporary fixtures and a beautiful glass enclosed shower. The two additional bedrooms offer flexibility for family, guests, a home office, study or hobby space, while the second full bathroom continues the home's clean, modern design. Even the laundry room has received special attention, offering upper and lower cabinetry, and a utility sink, providing valuable storage and workspace. Washer and dryer may be included with an acceptable offer. Step outside to the covered rear patio, a great place to enjoy your morning coffee, unwind at the end of the day or create your own outdoor living space and a yard for gardening if you so desire. Location adds even more appeal. Conveniently situated in Auburndale with easy access to US-92, the home is just minutes from Walmart, ALDI, Publix, restaurants, shopping and everyday services, while still offering the freedom of NO HOA living.If you've been looking for a new home where the work has already been done, this one deserves a closer look. New construction, 1,330 heated square feet, concrete-block construction, metal roof, 2-car garage, high ceilings, quartz countertops, luxury vinyl plank flooring, stainless-steel appliances, blinds, modern finishes, covered patio, builder warranty and NO HOA. It's all here. Schedule your private showing and come see what makes 2416 Taylor Rd S a wonderful place to call home!

2416 Taylor Rd S, Auburndale

209 White Cliff Boulevard, Auburndale
$349,900
3 Beds ⋅ 2 Baths ⋅ Sutton Place Ph 01 SubDv. ⋅ 33823 Zip Code
Welcome home! This charming 3-bedroom, 2-bath single-family home offers the space, privacy, and flexibility you have been looking for, all with NO HOA and situated on an expansive .37 acre corner lot, is ready for you to put your own stamp on it. The property offers plenty of room to enjoy the outdoors, entertain family and friends, or bring your vision for the perfect backyard to life. Inside, you’ll find the kitchen offers a Breakfast Bar, plenty of cabinet space, convenient rollout drawers, a Jenn-Air island stove, and a separate eat-in area. Comfortable split plan layout with three bedrooms, two full bathrooms, and a spacious Primary Suite features a large walk-in closet and an ensuite bathroom with dual sinks, a tiled shower, and a Jacuzzi garden tub. The split-bedroom floor plan provides additional privacy for family and guests. Step outside and discover one of the property's biggest highlights—a huge 40x19 screened-in lanai that creates an incredible space for entertaining, relaxing, and enjoying the Florida lifestyle. With no HOA restrictions, there is plenty of flexibility for your lifestyle, hobbies, recreational vehicles, outdoor equipment, or future improvements. In addition to the massive screened lanai, there is a 14x12 covered patio, providing even more space for entertaining or relaxing. The fenced backyard offers plenty of room for pets, recreation, gardening, or future possibilities. A 16x10 shed provides additional storage. Parking and workspace are also plentiful, with an attached 2-car garage plus a 2-car carport on the driveway. The garage includes a small workshop/storage area and utility sink, making it ideal for projects, hobbies, or additional storage. The property has been well maintained and features a 2020 roof. With its large corner lot, fenced backyard, extensive outdoor living space, generous parking, spacious interior, and NO HOA, this home offers a rare combination of features and flexibility. Whether you are looking for your first home, a place to settle down, or an investment opportunity, this property offers tremendous potential. Conveniently located with easy access to shopping, dining, schools, major roadways, and everything the surrounding area has to offer. Don't miss the opportunity to own a 3-bedroom, 2-bath home on nearly half an acre with NO HOA!

209 White Cliff Boulevard, Auburndale

1444 Mattie Pointe Lane, Auburndale
$295,000
3 Beds ⋅ 2 Baths ⋅ Mattie Pointe SubDv. ⋅ 33823 Zip Code
Virtually Staged. Short Sale. Short sale is not approved. This 3-bedroom, 2-bath single-family home in Mattie Pointe in Auburndale offers 1,537 square feet of heated living space on a 10,907-square-foot corner lot with pond frontage. Built in 2023, the home includes an attached 2-car garage, expansive driveway, vinyl-fenced yard, and 173 feet of pond frontage. The property is located in Flood Zone X. Inside, the split-bedroom layout places two secondary bedrooms, a full bath, and a dedicated laundry room near the front of the home. The open kitchen overlooks the living and dining area and features a large island with a breakfast bar, pantry, and upgraded KitchenAid appliances, including a microwave, a multi-door refrigerator with a separate lower drawer, and an induction range with a convection oven. The primary suite includes a walk-in closet and an en suite bath with dual sinks, garden tub, and separate shower. Major systems date to 2023, including the central air conditioning system, electric water heater, and shingle roof. Additional features include rain gutters, an irrigation system, ceiling fans, window treatments, underground utilities, public water, and public sewer. Sliding doors connect the living area to the outdoor space and views of the pond. The fenced corner lot provides additional yard space on both sides of the home. Mattie Pointe includes sidewalks and deed restrictions, with a required HOA fee of $130 quarterly (about $43 per month). Conveniently located near I-4 and area recreation, including Lake Myrtle Sports Park, Auburndale Dog Park, and Lake Hartridge Nature Park, with access to the surrounding Central Florida road network. Buyers and buyers' agents should verify all room dimensions, lot size, square footage, HOA information, and other measurements or information deemed important to the purchase.

1444 Mattie Pointe Lane, Auburndale

1373 Mezzavalle Way, Auburndale
$348,000
3 Beds ⋅ 2 Baths ⋅ Enclave/Lk Myrtle SubDv. ⋅ 33823 Zip Code
WHAT IF YOU COULD TURN BACK THE CLOCK ON YOUR INTEREST RATE? Here’s something you don’t see every day: this nearly new Highland Homes property has an existing VA loan that the lender advises may be assumable by a qualified veteran OR non-veteran buyer, subject to lender/servicer approval and applicable requirements. And no you don’t necessarily have to be a veteran to take advantage of this financing opportunity. But the financing is only part of what makes this home stand out. Built in 2023 and located in The Enclave at Lake Myrtle, this home gives you the benefits of newer construction with many of the upgrades buyers often wish had been included from the start. The backyard is already fenced, the lanai is already screened, and thoughtful interior upgrades have already been completed. Inside, the bright, open floor plan features high ceilings, 3 bedrooms plus a versatile flex room, and luxury vinyl plank flooring carried throughout the entire home for a seamless, cohesive look from room to room with no transitions to carpet breaking up the flow. The kitchen is the heart of the home, centered around a large island and finished with upgraded Aristokraft cabinetry and granite countertops, stainless steel appliances, and an oversized pantry. The upgrades don't stop at the kitchen. Granite countertops continue into both bathrooms, creating a consistent, elevated finish throughout the home. Step outside to the screened lanai and fully fenced backyard—a private outdoor space ready for morning coffee, weekend cookouts, pets, play, or your own garden retreat. The community is adjacent to the TECO Auburndale Trail, offering paved space for walking, biking, and rollerblading with connections to the Lake Myrtle Sports Complex. Convenient access to I-4 also makes travel toward Tampa or Orlando easy. Nearly new. Upgrades already done. And with a potentially assumable VA loan that may be available to qualified veteran and non-veteran buyers. Newer construction without the wait. Upgrades without the projects. And a financing opportunity you simply don't find with every home.

1373 Mezzavalle Way, Auburndale

3261 Mourning Dove Drive, Auburndale
$322,990
3 Beds ⋅ 3 Baths ⋅ Lake Mattie Preserve Single Family SubDv. ⋅ 33823 Zip Code
Pre-Construction. To be built. The Hutchinson single-family home has everything you want. Enter through the rear 2-car garage and say hi to friendly faces in the great room. Dinner smells amazing in the gourmet kitchen. It’ll taste even better once it’s moved from the island to the lanai. A flex space at the front of the home became your office and gym, perfect for a quick workout. After reading in the 2nd-floor loft, just outside 2 bedrooms and a full bath, head to your private owner’s suite. This spacious escape has a walk-in closet and double vanity bath, and it’s your favorite room in the house you love. Nestled in the heart of Auburndale’s Lakes District and on Lake Mattie, our community is surrounded by six lakes, scenic trails, parks, and Village Centers—all within walking or biking distance. Plus, you're close to 2 major airports, Orlando and Tampa, and just 45 minutes from the magic of Disney! Welcome to Lake Mattie Preserve! New homes with rear-load garages, Old Florida or Craftsman-style exteriors, lanais, & resort-style amenities. All Ryan Homes now include WIFI-enabled garage opener and Ecobee thermostat. **Closing cost assistance is available with use of Builder’s affiliated lender**. DISCLAIMER: Prices, financing, promotion, and offers subject to change without notice. Offer valid on new sales only. See Community Sales and Marketing Representative for details. Promotions cannot be combined with any other offer. All uploaded photos are stock photos of this floor plan. Actual home may differ from photos.

3261 Mourning Dove Drive, Auburndale

331 Bay Street, Auburndale
$699,000
3 Beds ⋅ 3 Baths ⋅ Flanigan C R Sub SubDv. ⋅ 33823 Zip Code
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.

331 Bay Street, Auburndale

200 Bobbye Walker Lane, Auburndale
$375,000
2 Beds ⋅ 1 Baths ⋅ N/A SubDv. ⋅ 33823 Zip Code
Discover the perfect blend of privacy and convenience with this 7.89-acre property in Auburndale, Florida, featuring a singlewide mobile home and plenty of space to make your vision a reality. Located on a quiet dirt road just off a main thoroughfare, this property offers peaceful country living while still providing easy access to everyday amenities, shopping, dining, and major travel routes. With no HOA restrictions, you’ll enjoy the freedom to truly make this property your own — bring your boats, RVs, animals, and outdoor toys with room to spare. The expansive acreage provides endless possibilities whether you’re looking to establish a homestead, create a private retreat, invest in land, or expand with future improvements. The existing singlewide mobile home offers a starting point for occupancy, rental income potential, or customization to suit your needs. Surrounded by natural Florida landscape, the property provides both seclusion and accessibility — a rare combination in rapidly growing Polk County. Conveniently located with easy access to I-4 between Tampa and Orlando, this property allows for a quiet rural lifestyle while remaining within reach of major employment centers, attractions, and Florida’s central corridor. Opportunities like this — nearly eight acres with flexibility, privacy, and location — are becoming increasingly rare. Schedule your showing today and explore the possibilities this unique Auburndale property has to offer.

200 Bobbye Walker Lane, Auburndale

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