
2093 SWAN LANE, PALM HARBOR, FL, 34683
Active6 days on marketListed Jul 31, 2026MLS #TB8532562
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
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.
$6,009 /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
$6,009/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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Palm Harbor 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
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.
Sold · Jun ’26$875,000
2016 SWAN LANE · same community
5 bd · 3 ba · 2,965 sqft · $295/sqft · 22 DOM
Sold · Mar ’26$705,000
2228 HANNAH WAY S
4 bd · 2.5 ba · 3,120 sqft · $226/sqft · 206 DOM
Sold · 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.

Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2093 SWAN LANE — start here.

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.
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.
Keep looking
Similar homes nearby
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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