727 KEY ROYALE DRIVE, Holmes Beach, FL, 34217 | $3,800,000

Experience an unparalleled coastal retreat in the exclusive North Point Harbor enclave of Holmes Beach, situated on the highly coveted northern end of Anna Maria Island. This meticulously maintained, 3, 640 sq. ft. custom-built estate is a waterfront masterpiece, offering direct, deep-water access to the Gulf of Mexico and Tampa Bay from the prestigious, quiet shores of Key Royale. The residence features a thoughtful and expansive layout consisting of 5 bedrooms plus a versatile bonus room and 6 bathrooms (4 full, 2 half), perfectly blending grand-scale functionality with sophisticated artisan craftsmanship. Built with a focus on both aesthetic elegance and structural longevity, the home boasts a durable metal roof, refined vinyl wood and tile flooring throughout the open-concept living spaces, and two massive balconies specifically designed to capture breathtaking, panoramic water views from nearly every room. Seller financing available, subject to terms.

For the maritime enthusiast, the property’s private dock and dedicated boat slip provide the ultimate convenience: effortless, no-bridge navigation for a yacht or sportfish, allowing for easy access to the open waters of the Gulf or the fishing grounds of Egmont Key. Beyond the residence, the lifestyle is defined by the unique character of Anna Maria Island (AMI). Known for its "Old Florida" charm, AMI strictly limits high-rise development, ensuring unobstructed views and sunset vistas. This golf-cart-friendly community allows for a seamless transition from the front door to the pristine white sands of the Gulf beaches or the boutique shops and world-class dining found along Pine Avenue and Gulf Drive.

The Key Royale area is revered for its serenity, offering a private golf club and a tranquil atmosphere tucked away from main thoroughfares. North Point Harbor further elevates this experience with meticulously maintained grounds and private tennis courts for residents. Strategically positioned, the property is a short boat ride or drive from the cultural hubs of Sarasota and St. Petersburg, providing a quiet escape from the hustle and bustle of mainland life. This home offers the security of an impeccable history with no flood damage, standing as a move-in-ready property maintained to the highest technical standards.

Whether hosting a gathering in the chef-inspired kitchen, enjoying a quiet evening on the screened lanai overlooking the pool, or launching a vessel for a sunset cruise, this property offers a lifestyle of coastal elegance and resort-style luxury. It is a standout choice for any buyer who values infrastructure as much as aesthetics. From the durable building envelope to the artisan-finished interiors, every detail of this Key Royale estate has been curated to provide a high-quality home in a sought-after island destination. Embrace the island life where the only daily deadline is the sunset, and the backyard is a gateway to the finest waterways in the world.

Features

  • Rooms: 11
  • Bedrooms: 5
  • Baths: 4 full / 2 half
  • Lot Size: 80 x 120
  • Laundry: Inside
  • Style: Contemporary
  • Year Built: 1988
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,640
  • Acreage: 0.22
  • Lot Size: 80 x 120
  • Est. Taxes: $45,927
  • HOA Fee: $450 Quarterly
  • Lot Desc: Cul-De-Sac, Landscaped, Near Golf Course
  • View: Water
  • Water Front: Yes
  • Elem. School: Anna Maria Elementary
  • Middle School: Martha B. King Middle
  • High School: Manatee High
  • Pool: In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Convection Oven, Cooktop, Dishwasher, Range Hood, Refrigerator
  • MLS#: TB8348338
  • Days on Market: 420 days
  • Website: https://www.raveis.com
    /eprop/TB8348338/727keyroyaledrive_holmesbeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/22/2026 1:18:30 AM)
Listing courtesy of ENGEL & VOLKERS TAMPA DOWNTOWN   Phone: 813-863-1986

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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727 KEY ROYALE DRIVE, Holmes Beach, FL, 34217

$3,800,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $3,040,000 $3,040,000 $3,040,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.375% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.399% 6.475% 6.309%
Monthly Tax Payment $3,827 $3,827 $3,827
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $18,471 $18,966 $25,859
Total Monthly Payment $22,423 $22,918 $29,811

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.