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List Price

$1,199,900

5683 Old Berkley, Auburndale, FL 33823

134 days on market↓ $50K from original list price

Estimated Payment

$9,876/mo

$0 down with a USDA loan and current market rates

Bedrooms5 bdBathrooms5 baLiving area3,688 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2026

Listed by

Dana Fox

LAKELAND HOMES AND REALTY, LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Welcome to your dream lakefront retreat! This beautifully finished custom home, professionally and completely renovated by the multi-award-winning builder Ash Built Construction, offers the perfect blend of luxury, comfort, and waterfront living. Boasting five spacious bedrooms and five beautifully appointed bathrooms, this exceptional property is designed for both everyday living and effortless entertaining. Inside, you’ll find stunning luxury vinyl plank flooring throughout the main living areas and elegant luxury tile finishes in every bathroom, creating a sophisticated yet durable living space. The kitchen features an 8 foot custom built island with stunning white and navy blue quartz countertops, with seating for 4 and a spacious walk-in pantry, offering both style and functionality. The thoughtfully designed floor plan provides generous living areas, abundant natural light, and high-quality craftsmanship at every turn. The Master bedroom is a roomy retreat with stunning view of beautiful Lake Tennessee. The master bath speaks for itself, with a spacious and luxurious shower tiled from floor to ceiling.The laundry room is equipped with a luxury laundry sink which doubles as a pet bath. Perfect for your most precious 4-legged friends! One of the home’s most unique features is the hidden bonus room above the garage, accessed through a discreet bookshelf-style entrance that blends seamlessly into the wall in the 4th bedroom upstairs. If offers the perfect space for a playroom, game room, media room, home office, or private retreat. Step outside to enjoy 105 feet of pristine Florida lakefront. Relax on the covered back porch or expansive deck, both perfectly positioned to capture breathtaking water views and unforgettable sunrises. The back covered lanai is set up and ready for the new owner to build their dream outdoor kitchen, creating the ultimate space for outdoor dining and entertaining. Boating enthusiasts will appreciate the covered electric boat lift, making it easy to enjoy days on the water whenever the mood strikes. Whether you’re looking for a full-time residence, a vacation getaway, or the ultimate place to entertain family and friends, this extraordinary lakefront home delivers exceptional craftsmanship, luxurious finishes, and the Florida waterfront lifestyle you’ve been dreaming of. Schedule your showing today!

5683 Old Berkley, Auburndale, FL 33823 in Auburndale, FL 33823 is listed for $1,199,900. The home has 5 bedrooms, 5 bathrooms, and 3,688 square feet, and was built in 2026. Listed 134 days ago. The price was reduced from $1,249,900. The listing is held by LAKELAND HOMES AND REALTY, LLC.

33823 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$3,026 (tax year 2025)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$9,876/moest.

0% down -- about $2,073 more per month than 20% down conventional.

  • Principal & Interest 84%
  • Property Taxes 3%
  • Insurance 10%
  • USDA Fee 4%
Principal & Interest
$8,271
Property Taxesfrom listing
$252
Insurance
$1,000
USDA Annual Fee
$353

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$11,999

30-year fixed at 7.254%, as of November 12, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.254% for a 30-year fixed loan (Optimal Blue daily, published November 12, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $9,876, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $3,026 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR794835132. HomeJam is not the listing broker.

List Price

$1,199,900

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