Arthur Middleton
$2,850,0004 bd4.5 ba2,930 sqft$973 /sqft$17,788 /mo all-in ↓

640 LYONS LANE, LONGBOAT KEY, FL, 34228

Active1 days on marketListed Jul 31, 2026MLS #A4701661

New constructionWaterfrontPrivate poolSingle Family ResidenceSLEEPY LAGOON PARK 2

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

Private poolWaterfrontWater view

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Microwave · Range Hood · Refrigerator
InteriorCeiling Fan(s)
LaundryElectric Dryer Hookup · Gas Dryer Hookup
CoolingCentral Air
HeatingElectric · Natural Gas

Outside & construction

RoofMetal
ConstructionBlock · HardiPlank Type · Stucco
FoundationPillar/Post/Pier
ViewWater
FacesNorth
ExteriorBalcony · Outdoor Kitchen · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$14,172/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected
WaterPublic

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%

Principal & interest$15,378
PMI (est., until 20% equity)$1,069
Property tax — 2024 actual bill$1,181
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $285,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $285,000
Interest rate6.00%
Loan term

Estimated payment

$17,788/mo

Principal & interest$15,378
PMI (est., until 20% equity)$1,069
Property taxes (actual bill)$1,181
Est. insurance$160

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.

Where it sits

Inside Sleepy Lagoon

Map of 640 LYONS LANE inside its neighborhood boundary

Drive times from this address

Downtown Tampa75 min

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

HighBayshore High School★★★★
ElementaryAnna Maria Elementary School★★★★
MiddleMartha B. King Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Longboat Key market

Seller’s marketLeans buyer8.2 months of inventoryBuyer’s market

$820K$893K

Longboat Key median sold, yr/yr

92.8%

Sale-to-list ratio (12 mo)

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

Jul 31, 2026Listed at $2,850,000 · 1 days on market since
2026Built · SLEEPY LAGOON PARK 2

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.

Arthur Middleton

Your agent

Arthur Middleton

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 640 LYONS LANE — start here.

Andrew Acosta

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

Pick a day that works — this goes straight to Arthur's phone and CRM.

Goes straight to Arthur’s phone and CRM.

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.

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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