
635 KEY ROYALE DRIVE, HOLMES BEACH, FL, 34217
Active120 days on marketListed Mar 25, 2026MLS #A4687421
About this home
635 KEY ROYALE DRIVE
This bayfront Key Royale home is ideally situated on the southern side of Key Royale, offering a more protected setting away from the north wind and enhancing year-round outdoor enjoyment. Truly a World of Its Own—delightful bayfront living with sweeping views of the crystal-clear waters of Anna Maria Sound and Tampa Bay. This elevated, single-level custom-built coastal residence is a tribute to exceptional design, premier location, and impeccable construction, finishes, and taste. Calm coastal hues and shell stone travertine flooring flow throughout the soaring living spaces, highlighted by tongue-and-groove ceilings with solid wood beams. The home showcases custom cabinetry with 100-year-old pine accents, extensive millwork, and a handcrafted TV feature wall. Additional features include a Control4 AV system, upgraded custom lighting and fans, an elevator, 8-foot solid core interior doors, whole-home sound system, plantation shutters, custom motorized window treatments, and central vacuum. The chef’s kitchen is equipped with Thermador commercial-grade appliances, a built-in pantry, and double laminated-edge granite countertops. Expansive bay views are captured from nearly every angle, while sliding glass doors open to an elegant 63-foot balcony complete with an outdoor kitchen and Trex staircase leading to the pool area below. Three of the four bedrooms are ensuite, all featuring rich Ipe wood flooring, custom closet systems, and luxurious bathrooms finished with travertine flooring and Moen body spray shower systems. Built to the highest standards, the exterior boasts a commercial-grade 24-gauge standing seam metal roof, PGT impact windows and doors, second-floor block construction, poured concrete porches, a Cantera entry door, and Icynene attic insulation. The spacious garage includes insulated doors and durable epoxy flooring. Outdoors, the home transforms into a private waterfront retreat with a bayside freeform pool and spa, expansive travertine deck for lounging and dining, and a covered cabana. Boating enthusiasts will appreciate the Trex dock with water and electric, along with 28,000 lb and 10,000 lb boat lifts. This stunning residence is a decorator’s masterpiece and a true feast for the senses. It presents a rare opportunity to embrace an extraordinary coastal lifestyle. Sold turnkey furnished less personal exceptions!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,648
Sqft
0.34 ac
Lot size
5
Garage
2015
Year built
Two
Levels
$2,052
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.
$47,978 /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
$47,978/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
$2,052 vs $902
Days on market
120 vs 95 typical
Where $2,052/sqft sits among the 140 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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
76 of 140
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 499% 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 635 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 · Oct ’25$4,425,000
112 50TH STREET
4 bd · 5.5 ba · 3,791 sqft · $1,167/sqft · 168 DOM
Sold · Feb ’26$1,700,000
6405 GULF DRIVE
3 bd · 2.5 ba · 2,876 sqft · $591/sqft · 375 DOM
Sold · Jun ’26$2,800,000
215 64TH STREET
4 bd · 3.5 ba · 2,690 sqft · $1,041/sqft · 0 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 635 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 635 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
635 KEY ROYALE DRIVE FAQs
What would the monthly payment be for 635 KEY ROYALE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $47,978/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 635 KEY ROYALE DRIVE?+
The most recent tax bill on record (2025) was $55,473. 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 635 KEY ROYALE DRIVE?+
The listing reports pets: Yes. 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 $7,485,000, this home is listed about 444% 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 635 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
Three things that matter here
01Positioned at the premium end
$7,485,000 runs 499% above the HOLMES BEACH 34217 median — but at 3,648 sqft it's also nearly twice 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.
03Strong 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 ISLAND REAL ESTATE-ANNA MARIA · Ryan Sheck. MLS #A4687421.
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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