
605 KEY ROYALE DRIVE, HOLMES BEACH, FL, 34217
Active54 days on marketListed May 30, 2026MLS #A4694873
About this home
605 KEY ROYALE DRIVE
This fully remodeled 3-bedroom, 3.5-bath waterfront home is a rare find—offering breathtaking views, modern upgrades throughout, and direct access to Tampa Bay and the Gulf of Mexico in the highly sought after neighborhood of Key Royale on Anna Maria Island. Situated on a tranquil south-facing cove along the Intracoastal Waterway, this property provides both stunning scenery and natural protection. Upon entering the home, you will find an open, airy floor plan featuring all-new wood flooring, new interior and exterior doors, new windows with shutters, and exceptional craftsmanship at every turn. The chef’s kitchen is a true showstopper, showcasing top-of-the-line Thermador appliances, custom cabinetry, and a spacious layout designed for effortless hosting and everyday living. The primary suite is a retreat of its own with large walk -in closet and a beautifully updated ensuite bath. The second bedroom functions like a second primary, offering a generous bedroom space and its own private ensuite bathroom—ideal for guests or multi-generational living. Outdoors, the home transforms into a private waterfront paradise. Enjoy a saltwater pool and spa, an outdoor kitchen with a gas BBQ, green egg, griddle, and your own putting green—all overlooking sparkling water views where dolphins are frequent visitors. Boaters will appreciate the 16,000-lb boat lift, deep water access, and plenty of side-yard space for additional toys, including a 50-amp RV hookup and room for a boat or trailer. Additional peace of mind comes with recent updates: the lanai was screened in March 2026, and a full home inspection was completed in January 2026 by SWF Home Inspections. With luxury updates, protected water, and unparalleled views, this is Florida waterfront living at its finest!
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,645
Sqft
0.26 ac
Lot size
2
Garage
1963
Year built
One
Levels
$1,474
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.
$23,933 /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
$23,933/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.
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 212% 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 605 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 605 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
605 KEY ROYALE DRIVE FAQs
What would the monthly payment be for 605 KEY ROYALE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $23,933/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 605 KEY ROYALE DRIVE?+
The most recent tax bill on record (2025) was $15,268. 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 605 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 $3,899,000, this home is listed about 184% 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 605 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
$3,899,000 runs 212% above the HOLMES BEACH 34217 median — but at 2,645 sqft it's also 72% 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 $3,950,000, now $3,899,000 — a $51K cut. The full history is in the market section below.
Listing courtesy of BEACH HOUSE REAL ESTATE LLC · Michael Bartone. MLS #A4694873.
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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