680 KEY ROYALE DRIVE, HOLMES BEACH, FL, 34217
Active126 days on marketListed Mar 19, 2026MLS #A4686733
About this home
680 KEY ROYALE DRIVE
Stunning Fully Remodeled Canal-Front Oasis in Prestigious Key Royale! Welcome to your slice of paradise, a beautifully reimagined 3-bedroom, 3-bathroom waterfront retreat on exclusive Anna Maria Island. This coastal gem has undergone a complete remodel, blending contemporary luxury with relaxed island living in the sought-after Key Royale community, home to the island’s only private golf course and just moments from pristine Gulf beaches. Step inside to discover an open, light-filled floor plan with high-end finishes throughout: sleek new kitchens with premium appliances, elegant quartz countertops, and custom cabinetry; spa-like bathrooms featuring designer fixtures and walk-in showers; and spacious bedrooms offering serene comfort. Every detail has been thoughtfully updated for effortless Florida living. Outside, your private backyard paradise awaits – a sparkling heated pool and spa with a chiller for year-round enjoyment, perfect for cooling off on warm summer days or soaking under the stars. The expansive lanai provides ample space for outdoor dining, lounging, and entertaining while overlooking the serene canal. Boaters will love the direct canal access with a 12,000 lb boat lift and private dock with electric– ideal for quick runs to the Gulf, fishing, or exploring the Intracoastal waterways. No bridges to the bay means easy outings! Located in the heart of Holmes Beach on Anna Maria Island, you’re just minutes from world-class white-sand beaches, charming restaurants, boutique shops, and the laid-back vibe that makes this area a top vacation and year-round destination. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,000
Sqft
0.24 ac
Lot size
1
Garage
1972
Year built
One
Levels
$1,198
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.
$15,013 /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
$15,013/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
+38.4%
$/sqft vs Holmes Beach actives
$1,198 vs $902
Days on market
126 vs 95 typical
Where $1,198/sqft sits among the 140 Holmes Beach 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 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)
75 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 92% above the HOLMES BEACH 34217 median. See the full Holmes Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 680 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.
Sold · Jul ’26$2,550,000
618 GLADSTONE LANE · same community
4 bd · 3 ba · 2,211 sqft · $1,153/sqft · 17 DOM
Sold · Nov ’25$1,200,000
618 GLADSTONE LANE · same community
3 bd · 2.5 ba · 2,211 sqft · $543/sqft · 207 DOM
Sold · Dec ’25$2,000,000
668 KEY ROYALE DRIVE · same community
4 bd · 4 ba · 2,419 sqft · $827/sqft · 81 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 680 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 680 KEY ROYALE DRIVE — 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
680 KEY ROYALE DRIVE FAQs
What would the monthly payment be for 680 KEY ROYALE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,013/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 680 KEY ROYALE DRIVE?+
The most recent tax bill on record (2025) was $12,379. 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 $2,395,000, this home is listed about 74% 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 680 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
$2,395,000 runs 92% above the HOLMES BEACH 34217 median — but at 2,000 sqft it's also 30% 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 $2,495,000, now $2,395,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SATO REAL ESTATE INC. · Jason Sato. MLS #A4686733.
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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