659 KEY ROYALE DRIVE, HOLMES BEACH, FL, 34217
Active299 days on marketListed Sep 26, 2025MLS #A4665652
About this home
659 KEY ROYALE DRIVE
Pre-Construction. To be built. Looking to build BRAND NEW CONSTRUCTION with FULL BAY VIEWS in the fabulous Key Royale boating and golfing community? This 15,000 sq. ft lot has been fully cleared and is ready to go! The first photo is a proposed design by noted Sarasota designer Brian Phipps including building plans and pricing by local Sarasota builder. You can also bring your own plans and builder. Option to buy the vacant lot separately for $3,300,000. Plan specs: 5B/5.5B/+DEN with 4984 sq.ft and total of 11,321 sq.ft. and will include a 3 car garage, roof top deck, designer pool and spa and will feature high end builder upgrades for the most discerning buyers. Enjoy unobstructed views of the Tampa Bay and Sunshine Skyway. Build your island dream home, or create a sensational waterfront investment property. Plans and elevations are available for your review. Floor plan, square footage, etc. have been calculated based on current design by local builder and can be shared on request.
Facts & features
The home at a glance
5
Bedrooms
5.5
Bathrooms
4,984
Sqft
0.34 ac
Lot size
3
Garage
1972
Year built
Three Or More
Levels
$1,384
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.
$42,594 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$42,594/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Holmes Beach actives
$1,384 vs $901
Days on market
299 vs 95 typical
Where $1,384/sqft sits among the 139 Holmes Beach 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 Key Royale
Get to know Holmes Beach. See the full Holmes Beach guide →
Key Royale — neighborhood snapshot
Population
388
Median age
65
Median income
$192,667
Median home value
$1,283,100
Avg household
2
Households w/ children
17%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Holmes Beach market
$875K → $850K
Holmes Beach median sold, yr/yr
93.5%
Sale-to-list ratio (12 mo)
75 of 139
Holmes Beach actives have cut their price
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 452% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 659 KEY ROYALE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$7,850,000
821 S BAY BOULEVARD
5 bd · 5.5 ba · 4,964 sqft · $1,581/sqft · 70 DOM
Sold · Sep ’25$3,600,000
606 CRESTWOOD LANE
4 bd · 4 ba · 4,830 sqft · $745/sqft · 142 DOM
Sold · Apr ’26$8,100,000
619 KEY ROYALE DRIVE
5 bd · 7 ba · 5,332 sqft · $1,519/sqft · 348 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 659 KEY ROYALE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 659 KEY ROYALE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
659 KEY ROYALE DRIVE FAQs
What would the monthly payment be for 659 KEY ROYALE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $42,594/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 659 KEY ROYALE DRIVE?+
The most recent tax bill on record (2024) was $31,373. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 659 KEY ROYALE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Holmes Beach?+
At $6,900,000, this home is listed about 402% above the Holmes Beach median of $1,375,000. The market section on this page shows how the area is trending.
Which schools are assigned to 659 KEY ROYALE DRIVE?+
Anna Maria Elementary School (elementary), Martha B. King Middle School (middle), Manatee High School (high) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$6,900,000 runs 452% above the HOLMES BEACH 34217 median — but at 4,984 sqft it's also nearly 3 times the size of the typical Holmes Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
299 days on market against a Holmes Beach median of 95 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Anna Maria Elementary School, Martha B. King Middle School, Manatee High School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SATO REAL ESTATE INC. · Cindy Quinn, Pa. MLS #A4665652.
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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