David Ramirez
$7,485,0004 bd4 ba3,648 sqft$2,052 /sqft$47,978 /mo all-in ↓

635 KEY ROYALE DRIVE, HOLMES BEACH, FL, 34217

Active120 days on marketListed Mar 25, 2026MLS #A4687421

WaterfrontPrivate poolSingle Family ResidenceKEY ROYALE 8TH ADD

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

Private poolWaterfrontFireplaceWater viewTurnkeyPets allowed

Inside

FlooringTravertine · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Eating Space In Kitchen · Elevator · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Humidity Control · Zoned
HeatingCentral
FurnishedTurnkey

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type
FoundationBlock
ViewWater
FacesWest
ParkingGarage Door Opener · Golf Cart Parking · Ground Level · Oversized
ExteriorBalcony · French Doors · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Sliding Doors

Community & fees

Taxes (2025)$55,473/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Public · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$40,389
PMI (est., until 20% equity)$2,807
Property tax — 2025 actual bill$4,623
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $748,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $748,500
Interest rate6.00%
Loan term

Estimated payment

$47,978/mo

Principal & interest$40,389
PMI (est., until 20% equity)$2,807
Property taxes (actual bill)$4,623
Est. insurance$160

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

36
53
27
16
7
1 · this home
$459–724$724–990$990–1255$1255–1521$1521–1786$1786+

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

Map of 635 KEY ROYALE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa73 min

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

ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★
HighManatee High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Holmes Beach market

Seller’s marketLeans buyer8.3 months of inventoryBuyer’s 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

Mar 25, 2026Listed at $7,485,000 · 120 days on market since
2015Built · KEY ROYALE 8TH ADD

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.

112 50TH STREETSold · Oct ’25

$4,425,000

112 50TH STREET

4 bd · 5.5 ba · 3,791 sqft · $1,167/sqft · 168 DOM

6405 GULF DRIVESold · Feb ’26

$1,700,000

6405 GULF DRIVE

3 bd · 2.5 ba · 2,876 sqft · $591/sqft · 375 DOM

215 64TH STREETSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 635 KEY ROYALE DRIVE — start here.

Andrew Acosta

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.

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.

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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