616 EMERALD LANE, HOLMES BEACH, FL, 34217
Active1 days on marketListed Nov 7, 2026MLS #TB8565710
About this home
616 EMERALD LANE
Experience exceptional waterfront living in the prestigious Key Royale community of Holmes Beach! Beautifully renovated and perfectly positioned along a deep-water canal, this stunning coastal retreat boasts an impressive 100 feet of waterfront frontage, a private dock, 10,000-pound boat lift, and sparkling swimming pool, offering the ultimate Anna Maria Island lifestyle. Inside, sophisticated coastal elegance meets modern comfort with extensive renovations, all-new hurricane-impact windows, heavy-duty sliding glass doors, and beautiful plantation shutters in every room. Significant improvements include a metal roof and air-conditioning system, both approximately two years old. Lush tropical landscaping, a dedicated irrigation system, and elegant landscape lighting surrounding the home create an inviting atmosphere day and night. Designed for effortless indoor-outdoor living, the private pool and expansive waterfront setting provide the perfect backdrop for entertaining, relaxing, or enjoying breathtaking Florida evenings. Boating enthusiasts will appreciate the convenience of their own private dock and 10,000-pound lift, making days on the water an everyday luxury. Located just moments from the Key Royale Club, a private golf and social club offering membership opportunities, and minutes from Anna Maria Island's world-famous sugar-white beaches, waterfront dining, and boutique shopping. An extraordinary combination of luxury, location, and waterfront lifestyle. Welcome to your own piece of paradise at 616 Emerald Lane!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,900
Sqft
0.27 ac
Lot size
1969
Year built
One
Levels
$1,103
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 and the real association fee — not generic estimates.
$14,820 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$14,820/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+30.8%
Days on market
1 vs 74 typical
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
$826K → $862K
Holmes Beach median sold, yr/yr
93.4%
Sale-to-list ratio (12 mo)
Median sold price, Holmes Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 90% above the HOLMES BEACH 34217 median. See the full Holmes Beach 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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 616 EMERALD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 616 EMERALD LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
616 EMERALD LANE FAQs
What would the monthly payment be for 616 EMERALD LANE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $14,820/mo — principal and interest, the actual property-tax bill, the $10/mo association fee 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.
How much are the HOA fees at 616 EMERALD LANE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 616 EMERALD LANE?+
The most recent tax bill on record (2025) was $8,166. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 616 EMERALD LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Holmes Beach?+
At $2,095,000, this home is listed about 75% above the Holmes Beach median of $1,197,500. The market section on this page shows how the area is trending.
Which schools are assigned to 616 EMERALD LANE?+
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
$2,095,000 runs 90% above the HOLMES BEACH 34217 median — but at 1,900 sqft it's also 27% 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.
03Fresh on the market
Only 1 day on market in a Holmes Beach market that averages 74 — if it fits, move quickly.
04Strong 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.
Listing courtesy of ELEVE REAL ESTATE LLC · Danielle Davis. MLS #TB8565710.
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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