
640 LYONS LANE, LONGBOAT KEY, FL, 34228
Active1 days on marketListed Jul 31, 2026MLS #A4701661
About this home
640 LYONS LANE
Virtually Staged. Under Construction. Pre-Construction | Custom Build | Water to Front & Rear A once-in-a-generation opportunity on one of Longboat Key's most extraordinary streets. Lyons Lane is a truly singular address — a quiet, private enclave in North Longboat Key where homes enjoy an exceptionally rare double-water setting, with sparkling canal frontage to the rear and serene, protected wetland and mangrove views to the front. This is island living at its most private and unspoiled. Design Your Dream Home The vision is still yours to shape. The buyer has the rare opportunity to work directly with the architect to customize the layout, finishes, and features of this brand-new custom home before it's complete. From floor plan adjustments to material selections, this is your chance to create a residence that is uniquely and entirely your own — without the years of planning that a true ground-up build typically demands. The Property Set on a prime lot with water on both sides, the property includes an existing pool ready to be incorporated into your design, along with a private boat dock and lift with direct access to Millar and Sarasota Bays and no fixed bridges to the Gulf of Mexico. For the boating enthusiast, it simply does not get better than this — deep water access, protected dockage, and open water within minutes. Lyons Lane — Longboat's Best-Kept Secret Unlike any other street on the island, Lyons Lane offers homes on one side only, with lush native mangroves lining the opposite side — ensuring that your views, privacy, and natural surroundings will never be compromised. It is one of the few locations on Longboat Key where you can wake up to undisturbed natural beauty in every direction while remaining just moments from the finest dining, boutique shopping, and white-sand Gulf beaches the island has to offer. Longboat Key — Florida's Premier Barrier Island Stretching 11 miles along Florida's Gulf Coast with over 25 miles of combined waterfront between the Gulf of Mexico and Sarasota Bay, Longboat Key is consistently ranked among the most desirable addresses in the country. With a median home price approaching $2.5 million in 2026, the island attracts discerning buyers who demand privacy, natural beauty, and world-class amenities — including the legendary Longboat Key Club, with 45 holes of championship golf, a full-service deep-water marina, spa, and beach club. Opportunities like this — a custom home, double waterfront, dock and lift, and the freedom to personalize — are extraordinarily rare on Longboat Key. Don't miss your chance to build exactly the island life you've always envisioned.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,930
Sqft
0.23 ac
Lot size
5
Garage
2026
Year built
Three Or More
Levels
$973
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.
$17,788 /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
$17,788/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
$973 vs $693
Days on market
1 vs 95 typical
Where $973/sqft sits among the 262 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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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)
113 of 262
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 339% 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 · Oct ’25$917,000
749 PENFIELD STREET · same community
3 bd · 3 ba · 2,905 sqft · $316/sqft · 25 DOM
Sold · Apr ’26$1,545,000
601 NORTON STREET · same community
3 bd · 3 ba · 2,956 sqft · $523/sqft · 34 DOM
Sold · Mar ’26$2,275,000
725 PENFIELD STREET · same community
4 bd · 4 ba · 2,902 sqft · $784/sqft · 185 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
Darrick Cook
REALTOR® · 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
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
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 $17,788/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 $2,850,000, this home is listed about 197% 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
Four things that matter here
01Positioned at the premium end
$2,850,000 runs 339% above the LONGBOAT KEY 34228 median — but at 2,930 sqft it's also nearly twice the size of 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.
03Fresh on the market
Only 1 day on market in a Longboat Key market that averages 95 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of SEA BREEZE REAL ESTATE LLC · Adrian Johnson. MLS #A4701661.
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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