Kat Bonelli
$924,9004 bd3 ba3,144 sqft$294 /sqft$6,009 /mo all-in ↓

2093 SWAN LANE, PALM HARBOR, FL, 34683

Active6 days on marketListed Jul 31, 2026MLS #TB8532562

Private poolSingle Family ResidenceSEVERS LANDING PH 2

About this home

2093 SWAN LANE

Welcome to this beautifully maintained custom pool home in the highly sought-after Sever's Landing community, where spacious living areas, quality finishes, and exceptional outdoor entertaining come together in one of Palm Harbor's most desirable neighborhoods. From the leaded glass double-door entry to the soaring ceilings and sparkling pool views beyond, every detail has been thoughtfully designed to create a home that is both elegant and inviting. The flowing floor plan offers the perfect balance of formal and casual living. A spacious living and dining room provides an ideal setting for entertaining, while the open-concept kitchen and family room create the heart of the home. Rich wood cabinetry, natural stone countertops, stainless steel appliances, a center island, decorative tile backsplash, breakfast bar, and a sunny breakfast nook make the kitchen as functional as it is beautiful. Just beyond, the family room is anchored by a cozy gas fireplace, creating a warm gathering space for family and friends. Designed for flexibility, the split-bedroom layout offers privacy for the primary suite while comfortably accommodating family and guests. The fourth bedroom is currently configured as an impressive custom dressing room with extensive built-in storage but can easily be converted back into a traditional bedroom if desired. A spacious bonus room with hardwood flooring, custom built-ins, a wet bar, and wine storage offers endless possibilities as a media room, game room, home office, or additional living space. The primary suite is a peaceful retreat with private access to the lanai and an updated ensuite bath featuring dual vanities, a soaking tub, separate walk-in shower, and a generous walk-in closet. Updated secondary bathrooms showcase stylish finishes that complement the home's timeless design. Step outside and enjoy Florida living at its best. The screened lanai features travertine pavers surrounding a heated Pebble Tec pool with an elevated spillover spa, while the outdoor kitchen creates the perfect setting for weekend barbecues, family gatherings, or relaxing evenings at home. Beyond the screened enclosure, the fenced backyard offers additional green space framed by mature landscaping for added privacy. Additional highlights include a three-car garage, hurricane shutters, an interior laundry room, and an exceptionally low HOA fee of just $42 per month. Ideally located within the highly regarded Palm Harbor University High School district and just minutes from Innisbrook Golf Resort, Honeymoon Island, Gulf beaches, parks, shopping, dining, and the Pinellas Trail, this home offers an exceptional combination of location, comfort, and lifestyle. Thoughtfully maintained and move-in ready, it's an outstanding opportunity to own a beautiful home in one of North Pinellas' most established and desirable communities.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,144

Sqft

0.31 ac

Lot size

3

Garage

1991

Year built

One

Levels

$294

Per sqft

Private poolFireplacePets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Irrigation System · Outdoor Kitchen · Sliding Doors

Community & fees

HOA fee$42/mo
Taxes (2025)$5,630/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sprinkler Well
WaterPublic

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.

$6,009 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property tax — 2025 actual bill$469
HOA fee — from the listing$42
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,490Loan30-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% · $92,490
Interest rate6.00%
Loan term

Estimated payment

$6,009/mo

Principal & interest$4,991
PMI (est., until 20% equity)$347
Property taxes (actual bill)$469
HOA / condo fee$42
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.

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.

List $925K
$888KedgeAI estimate $958,063 · range $953K$979K$1.0M

vs edgeAI estimate

−3.5%

$/sqft vs Palm Harbor actives

$294 vs $264

Days on market

6 vs 48 typical

Where $294/sqft sits among the 400 Palm Harbor actives

68
84
102
80 · this home
35
31
$152–197$197–243$243–289$289–335$335–381$381+

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 Sever's Landing

Map of 2093 SWAN LANE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)32 min
Downtown Tampa36 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Palm Harbor. See the full Palm Harbor guide →

Sever's Landing — neighborhood snapshot

Population

291

Median age

45

Median income

$70,156

Median home value

$621,200

Avg household

2

Households w/ children

39%

For the school run

Pinellas County School District

MiddlePalm Harbor Middle School★★★★
ElementaryLake St. George Elementary School★★★★
HighPalm Harbor University High★★★★

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

The numbers that matter

The Palm Harbor market

Seller’s marketLeans seller3.7 months of inventoryBuyer’s market

$420K$445K

Palm Harbor median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

215 of 400

Palm Harbor actives have cut their price

Median sold price, Palm Harbor, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 136% above the PALM HARBOR 34683 median. See the full Palm Harbor market guide →

Paper trail

This home's history

Jul 31, 2026Listed at $924,900 · 6 days on market since
1991Built · SEVERS LANDING PH 2

Reality check

What actually sold near 2093 SWAN LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2016 SWAN LANESold · Jun ’26

$875,000

2016 SWAN LANE · same community

5 bd · 3 ba · 2,965 sqft · $295/sqft · 22 DOM

2228 HANNAH WAY SSold · Mar ’26

$705,000

2228 HANNAH WAY S

4 bd · 2.5 ba · 3,120 sqft · $226/sqft · 206 DOM

2632 WESTVIEW COURTSold · Sep ’25

$799,000

2632 WESTVIEW COURT

5 bd · 3 ba · 3,034 sqft · $263/sqft · 3 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2093 SWAN 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 2093 SWAN LANE — before you fall in love.

See it in person

Schedule a tour

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

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Goes straight to Kat’s phone and CRM.

Straight answers

2093 SWAN LANE FAQs

What would the monthly payment be for 2093 SWAN LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,009/mo — principal and interest, the actual property-tax bill, the $42/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 2093 SWAN LANE?+

The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2093 SWAN LANE?+

The most recent tax bill on record (2025) was $5,630. 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 2093 SWAN 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 Palm Harbor?+

At $924,900, this home is listed about 143% above the Palm Harbor median of $379,990. The market section on this page shows how the area is trending.

Which schools are assigned to 2093 SWAN LANE?+

Palm Harbor Middle School (middle), Lake St. George Elementary School (elementary), Palm Harbor University High (high) — Pinellas 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

$924,900 runs 136% above the PALM HARBOR 34683 median — but at 3,144 sqft it's also nearly twice the size of the typical Palm Harbor listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Only 6 days on market in a Palm Harbor market that averages 48 — if it fits, move quickly.

04Strong assigned schools

Palm Harbor Middle School, Lake St. George Elementary School, Palm Harbor University High — Palm Harbor Middle School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of RE/MAX REALTEC GROUP INC · Mark Fazzini. MLS #TB8532562.

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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