640 LYONS LANE, LONGBOAT KEY, FL, 34228
Active211 days on marketListed Dec 21, 2025MLS #A4674925
About this home
640 LYONS LANE
Virtually Staged. Under Construction. Welcome to 640 Lyons Lane — a rare opportunity to purchase a brand-new, fully constructed home on one of North Longboat Key’s most distinctive streets with homes on only one side and protected wetlands on the other. This location offers unmatched privacy, tranquil views, and a true coastal retreat. The plans can be updated to meet your requirements, or even add an additional level to increase living space. The choice is yours. This listing includes a complete new-build home with construction, based on the current plans for a beautifully designed three-bedroom, three-and-a-half-bath residence. The floor plan features an open-concept layout, a spacious primary suite with peaceful canal views, seamless indoor–outdoor living, and an elevator for convenient access between levels. Buyers still have the freedom to customize the home during construction — from interior finishes to structural changes. You may enhance the design by adding a second living level, expanding the footprint, or even starting fresh with an entirely new custom home design. The flexibility is yours. A newly installed pool and private boat dock with a 10,000 lb lift are already in place and fully incorporated into the final build. With direct access to Millar and Sarasota Bays and no fixed bridges to the Gulf, this home is ideal for anyone who loves life on the water. Enjoy breathtaking water views from both the front and rear of the property, creating a serene backdrop throughout your living spaces. Whether you envision a modern coastal escape, a refined full-time residence, or a bespoke luxury vacation rental retreat, 640 Lyons Lane offers the perfect canvas to bring your vision to life in one of Longboat Key’s most desirable neighborhoods — just moments from pristine beaches, golf, fine dining, and everything that defines elevated island living.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,130
Sqft
0.23 ac
Lot size
5
Garage
2026
Year built
Two
Levels
$1,171
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.
$15,740 /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
$15,740/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 Longboat Key actives
$1,171 vs $700
Days on market
211 vs 95 typical
Where $1,171/sqft sits among the 278 Longboat Key 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 Sleepy Lagoon
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)
117 of 278
Longboat Key actives have cut their price
Median sold price, Longboat Key, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 284% above the LONGBOAT KEY 34228 median. See the full Longboat Key market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 LYONS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$2,700,400
598 LYONS LANE · same community
3 bd · 3.5 ba · 2,276 sqft · $1,186/sqft · 35 DOM
Sold · Feb ’26$1,175,000
747 MARBURY LANE · same community
3 bd · 2 ba · 2,353 sqft · $499/sqft · 72 DOM
Sold · Jun ’26$1,670,000
635 MARBURY LANE · same community
4 bd · 3 ba · 2,446 sqft · $683/sqft · 108 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
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 $15,740/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 $2,495,000, this home is listed about 160% 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
$2,495,000 runs 284% above the LONGBOAT KEY 34228 median — but at 2,130 sqft it's also 41% larger than the typical Longboat Key listing.
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
211 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 $2,845,000, now $2,495,000 — a $350K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SEA BREEZE REAL ESTATE LLC · Adrian Johnson. MLS #A4674925.
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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