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632 Key Royale Dr, Holmes Beach (Bradenton Beach), FL 34217 Property Records

Manatee County property record for 632 Key Royale Dr, Holmes Beach, FL 34217

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,900 sqft · built 1966
Lot Size0.331 acres (14,418 sqft)
Owner2 Individual Names on File
Last Sale$995,000 (Jan 2025)
Tax Bill$4,912 (2025)
Deeds & MortgagesDec 2025 Line of Credit
Oct 2023 Transfer
+ 1 more
Flood ZoneZone AE (high risk)
APN72989-0000-7

Property Details

APN / Parcel Number

Primary APN72989-0000-7
Alternative APN
  • 3416217298900007

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,900 sqft Living Area
Gross Area2,688 sqft
1st Floor Area1,900 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1966
Effective Year BuiltEffective 1992
Architectural StyleRanch
Exterior MaterialBlock
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,418 sqft (0.331 acres)
View / LotCanal Front
Garage TypeAttached
Garage Area488 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area372 sqft
PorchOpen Porch
Porch Area300 sqft
Patio Area176 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelElectric

Location & Zoning

Street Address632 KEY ROYALE DR
CityHOLMES BEACH
StateFL
Zip34217-1240
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeHB_R1AA
Legal DescriptionLOT 24 KEY ROYALE 7TH ADD PI#72989.0000/7
Legal Range16E
Legal Township34S
Legal Section21
Legal SubdivisionKEY ROYALE 7TH ADDITION
Legal Tract07296300
Legal Lot Number24
JurisdictionMANATEE FL
Township / Civil DivisionBRADENTON
Census Block Group3
Census Block3029
Census Tract1801

Owner

632 Key Royale Dr is owned and occupied by two individuals who bought it in January 2025.

Source: Manatee County records, as of July 23, 2026

Owner of Record2 Individual Names on File
Mailing Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2025Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU
Oct 3, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
May 17, 2021Deed of Trust, Mortgage · Line of Credit
VAST BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 22, 2025 · Amount on File
Deed SaleJan 22, 2025 · Amount on File
Prior SaleOct 26, 2011 · Amount on File
Deed Document Number20259250
Prior Transfer DateOct 3, 2023
Prior Transfer Doc0041106057
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMANATEE FL
Property Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240
Transaction TypeMortgage
Record UpdatedJan 14, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address632 KEY ROYAIE DR, HOLMES BEACH, FL 34217-1240

Mortgage

Document Number0041152291
DateDec 22, 2025
Instrument202541152291
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueDec 30, 2055
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMANATEE FL
Recording DateOct 3, 2023
Property Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240
Document Number0041106057
Map ReferenceMB 13 PG 69
Instrument DateOct 3, 2023
Instrument202341106057
Transaction TypeTransfer
Record UpdatedOct 19, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240

Transferred To (Grantee/Buyer)

NameVerified Name
Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMANATEE FL
Property Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240
Transaction TypeMortgage
Record UpdatedJun 3, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address632 KEY ROYALE DR, HOLMES BEACH, FL 34217-1240

Mortgage

Document Number202141065006
DateMay 17, 2021
Instrument202141065006
Lender
NameVAST BANK NA
TypeBank
AddressNORTH BERGEN, NJ 07047
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

The 2025 property tax bill for 632 Key Royale Dr was $4,912 with a homeowner's exemption, up 54.9% from the year before.

Source: Manatee County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateFlorida
CountyManatee County
MunicipalityHolmes Beach City
Unified School DistrictManatee County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,000,744 (+136.79%) Land $765,000 Building $235,744$1,000,744 (+27.63%) Land $765,000 Building $235,744
2025$4,912.00 (+54.85%) Homeowner's exemption$422,635$784,091 Land $765,000 Building $19,091
2024$3,172.00 (-0.13%)
2023$3,176.00 (+5.51%) Homeowner's exemption$398,761 (+3%)$1,249,392 (+25.23%) Land $680,000 Building $569,392
2022$3,010.00 Homeowner's exemption$387,147$997,649 Land $500,000 Building $497,649

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 632 Key Royale Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation7.0 ft
CoastalYes
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 595 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies599 units insured
incl. 4 condo units
Nearby Flood Claims581 (1999–2025)
Most Recent ClaimAug 2025 · rainfall accumulation
Claims by Event
  • Hurricane Milton, Oct 2024 · 27 claims
  • Hurricane Helene, Oct 2024 · 526 claims
  • Hurricane Idalia, Aug 2023 · 20 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 632 Key Royale Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemMANATEE COUNTY UTILITIES DEPT
serves 347,800 people · EPA ID FL6411132
Water SourceSurface water
Last State InspectionMay 2025
Lead2 ppb (2022)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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