145 JANA CIRCLE, Auburndale, FL, 33823 | $130,000

One or more photo(s) has been virtually staged. Own your land in this highly desirable 55+ lakefront community with an exceptionally low HOA fee of just $39 per month. This well-maintained two bedroom, two bath home offers an excellent opportunity for buyers searching for affordable Florida retirement living with lake access and low monthly expenses in Polk County.

Situated on a beautifully maintained lot, the home provides comfort, functionality, and easy living. The eat-in kitchen features a large bay window that fills the space with natural light, creating a bright and welcoming atmosphere. Hurricane-rated windows throughout the home offer added security, durability, and energy efficiency. A separate dining room provides dedicated space for entertaining guests or hosting family gatherings.

Outdoor living is a highlight of this property, with a 10x12 Florida sunroom porch ideal for morning coffee or evening relaxation, and a 12x13 back patio perfect for enjoying Florida’s year-round sunshine. The manageable lot size allows for outdoor enjoyment without excessive maintenance.

Residents of this 55+ community enjoy access to a clubhouse with social activities such as potlucks, bingo, cards, a community pool, and shuffleboard. The neighborhood also provides private access to Lake Marianna with a dock and boat ramp, making it ideal for buyers searching for a lakefront community in Central Florida with boating and fishing opportunities.

Additional features include a separate secure storage shed with a dedicated laundry area, offering extra convenience and storage space. This property is ideal for buyers seeking a low HOA 55+ home in Florida where you own the lot, enjoy community amenities, and benefit from lake access in a peaceful setting.

Features

  • Amenities: Clubhouse, Storage
  • Rooms: 4
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 60 x 90
  • Laundry: Laundry Room, Outside
  • Year Built: 1986
  • Garage: Covered, Driveway
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,000
  • Acreage: 0.16
  • Lot Size: 60 x 90
  • Est. Taxes: $402
  • HOA Fee: $39 Monthly
  • Lot Desc: Cleared, Landscaped
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Range, Refrigerator
  • MLS#: P4936496
  • Days on Market: 205 days
  • Website: https://www.raveis.com
    /prop/P4936496/145janacircle_auburndale_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/22/2026 12:13:33 AM)
Listing courtesy of KELLER WILLIAMS REALTY SMART 1   Phone: 863-508-3000

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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145 JANA CIRCLE, Auburndale, FL, 33823

$130,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $104,000 $104,000 $104,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $34 $34 $34
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $640 $666 $871
Total Monthly Payment $749 $775 $980

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.