640 LYONS LANE, LONGBOAT KEY, FL, 34228
Active388 days on marketListed Jun 29, 2025MLS #A4657391
About this home
640 LYONS LANE
Discover the exceptional potential of 640 Lyons Lane, a perfectly situated vacant lot on a unique street in North Longboat Key, with homes only on one side and protected wetlands on the other. This property offers an outstanding opportunity to build your dream residence in the sought-after Longboat Key with expansive views over the tranquil canal. Adding to its allure, the property includes a newly installed pool and a convenient boat dock with a 10,000 lb lift, which can all be seamlessly integrated into the future home. Whether you're looking to create a permanent residence or a luxurious vacation retreat, 640 Lyons Lane offers the ideal canvas. Don't miss this opportunity to own a piece of paradise in Longboat Key, with proximity to pristine beaches, golf courses, and fine dining.
Facts & features
The home at a glance
0.23 ac
Lot size
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.
$7,631 /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
$7,631/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 Sleepy Lagoon
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Longboat Key. See the full Longboat Key guide →
Sleepy Lagoon — neighborhood snapshot
Population
437
Median age
68
Median income
$130,791
Median home value
$816,296
Avg household
2
Households w/ children
2%
For the school run
Manatee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Longboat Key market
$820K → $893K
Longboat Key median sold, yr/yr
92.8%
Sale-to-list ratio (12 mo)
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 68% above the LONGBOAT KEY 34228 median. See the full Longboat Key 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 640 LYONS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 LYONS LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
640 LYONS LANE FAQs
What would the monthly payment be for 640 LYONS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,631/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 640 LYONS LANE?+
The most recent tax bill on record (2024) was $14,172. 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 Longboat Key?+
At $1,090,000, this home is listed about 14% above the Longboat Key median of $960,000. The market section on this page shows how the area is trending.
Which schools are assigned to 640 LYONS LANE?+
Bayshore High School (high), Anna Maria Elementary School (elementary), Martha B. King Middle School (middle) — Manatee County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,090,000 runs 68% above the LONGBOAT KEY 34228 median.
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
388 days on market against a Longboat Key median of 95 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Bayshore High School, Anna Maria Elementary School, Martha B. King Middle School — Anna Maria Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,295,000, now $1,090,000 — a $205K cut. The full history is in the market section below.
Listing courtesy of SEA BREEZE REAL ESTATE LLC · Adrian Johnson. MLS #A4657391.
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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