633 KEY ROYALE DRIVE, HOLMES BEACH, FL, 34217
Active92 days on marketListed Apr 22, 2026MLS #A4690877
About this home
633 KEY ROYALE DRIVE
FULL INTERCOASTAL WATER VIEWS!!! A rare waterfront opportunity awaits on beautiful Anna Maria Island. Set on an oversized homesite along Key Royale Drive, this exceptional property offers the perfect canvas to build your island dream home. The backyard is a tranquil retreat offering world-class sunrise views over the intercoastal waterway, along with direct fishing and boating access to the Gulf. Just down the street, the Key Royale Club features a private 9-hole golf course, dining, and social amenities. You’re also only a short golf cart ride away from Anna Maria Island’s top-rated restaurants, boutique shopping, and pristine white-sand beaches. The existing 3-bedroom, 3-bathroom home sustained water damage from Hurricane Helene and has been partially gutted, providing a clean slate for redevelopment. The spacious backyard already includes a sparkling pool, private dock, and room to add a boat lift — an ideal foundation for waterfront living. Whether you’re seeking a full-time residence, luxury vacation home, or investment property, the possibilities here are endless!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,910
Sqft
0.34 ac
Lot size
2
Garage
1968
Year built
One
Levels
$1,727
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.
$20,518 /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
$20,518/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.
vs edgeAI estimate
+87%
Days on market
92 vs 95 typical
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)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 167% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
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 633 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 633 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
633 KEY ROYALE DRIVE FAQs
What would the monthly payment be for 633 KEY ROYALE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,518/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 633 KEY ROYALE DRIVE?+
The most recent tax bill on record (2025) was $15,831. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Holmes Beach?+
At $3,299,000, this home is listed about 140% 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 633 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
$3,299,000 runs 167% above the HOLMES BEACH 34217 median — but at 1,910 sqft it's also 24% larger than 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.
04The price has already moved
Listed at $3,495,000, now $3,299,000 — a $196K cut. The full history is in the market section below.
Listing courtesy of SATO REAL ESTATE INC. · Jason Sato. MLS #A4690877.
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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