6404 ROYAL TERN CIRCLE, Lakewood Ranch, FL, 34202 | $789,000

Significant price improvement! Low HOA and LEAST EXPENSIVE 3000+ sq ft lake front home in Lakewood Ranch! Situated in Greenbrook Village in Lakewood Ranch, this elegant lakefront home offers a blend of style, comfort, and functionality, with thoughtfully designed spaces ideal for families or entertaining larger gatherings. Go through charming iron gate to discover the custom designed iron front door opening to a spacious split floor plan that seamlessly connects the main living areas. The formal living and dining rooms are enhanced by soaring tray ceilings and 10-foot sliding glass doors that open fully to the expansive, paver lanai, ideal for indoor-outdoor living. Enjoy the tranquil lake views and unwind in your private pool with waterfall surrounded by lush landscaping. At the heart of the home, the spacious chef’s kitchen is a dream come true. Outfitted with a gas range, generous prep space, and wood cabinetry, it opens directly to the large great room with casual dining area featuring aquarium glass windows overlooking the lake. Additionally, 10-foot sliders fill the space with natural light and offer direct access to the lanai and pool. The luxurious primary suite is a serene retreat featuring a spa-style bath with a garden tub, oversized walk-in shower, and dual vanities. The walk-in closet features custom inserts providing efficient, stylish storage. Upstairs, a private suite awaits—ideal for guests, extended family or a media retreat. This upper-level space includes a large bedroom with custom walk-in closet, full bath, and an expansive gathering area that offers flexible living options. Additional upgrades include whole-house generator (2021), roof (2020), air conditioners (2016 and 2024), newer kitchen appliances, water heater (2021), pool heater, 3M protection film at rear of home on aquarium window and all sliders, plus wind-rated electric lanai screen. Other features include a fenced pet run and home security system. Don’t miss this rare opportunity to own a lakefront gem in one of Florida’s desirable communities offering a beautiful community park with playground and trails, dog park, quick access to Interstate 75, excellent shopping, restaurants and nearby University Town Center, Benderson Park offering world class rowing facility and the soon to open Mote Marine Aquarium. Schedule your private showing of 6404 Royal Tern Circle today. With accepted offer, seller will credit buyer amount to paint entire inside of home. Show and BRING AN OFFER.

Features

  • Amenities: Park, Playground, Shuffleboard Court, Tennis Court(s), Vehicle Restrictions
  • Rooms: 10
  • Bedrooms: 4
  • Baths: 4 full
  • Laundry: Laundry Room
  • Style: Contemporary
  • Year Built: 2004
  • Garage: 3-car Driveway, Garage Door Opener, Oversized, Workshop in Garage
  • Heating: Central
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 3,015
  • Acreage: 0.27
  • Est. Taxes: $10,404
  • HOA Fee: $115 Annually
  • Lot Desc: Landscaped
  • View: Pool, Water
  • Elem. School: McNeal Elementary
  • Middle School: Nolan Middle
  • High School: Lakewood Ranch High
  • Pool: Gunite, Heated, In Ground, Lighting, Outside Bath Access, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Disposal, Dryer, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: A4660085
  • Days on Market: 203 days
  • Website: https://www.raveis.com
    /prop/A4660085/6404royalterncircle_lakewoodranch_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 2/18/2026 8:02:08 AM)

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NMLS Mortgage Loan Originator ID 2166562

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6404 ROYAL TERN CIRCLE, Lakewood Ranch, FL, 34202

$789,000

Nick Rosario - The Nick Rosario Team

Licensed Associate Real Estate Broker

William Raveis Real Estate

Phone: 917.564.2351

Nick.Rosario@raveis.com

Brian Shahwan

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 302.293.7433

Brian.Shahwan@raveis.com

NMLS Mortgage Loan Originator ID 2166562

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $631,200 $631,200 $631,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.132% 5.396%
Monthly Tax Payment $867 $867 $867
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,486 $3,780 $5,033
Total Monthly Payment $4,445 $4,739 $5,992

* 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.