CENTURY 21 Edge
$550,0004 bd3 ba2,462 sqft$223 /sqft$4,172 /mo all-in ↓

2309 SWORDFISH AVENUE, HOLIDAY, FL, 34691

Active14 days on marketListed Aug 21, 2026MLS #TB8540451

Private poolSingle Family ResidenceGULFWINDS

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About this home

2309 SWORDFISH AVENUE

Welcome to 2309 Swordfish Ave, a beautifully maintained 4-bedroom, 3-bathroom, 2,462-square-foot single-story home situated on a spacious 10,320-square-foot lot in the desirable Gulfwinds community of Holiday, Florida. Offering an ideal combination of comfortable living space, thoughtful updates, privacy, and exceptional outdoor amenities, this home is designed for both everyday living and entertaining. The freshly painted interior features a spacious and versatile floor plan with tile flooring throughout the kitchen, breakfast nook, family room, living room, and dining room. The primary bedroom features attractive wood-look tile flooring, while the three additional bedrooms are carpeted. A dedicated office provides an ideal work-from-home space and features brand-new epoxy-resin flooring. Plantation shutters enhance the windows and sliding glass doors throughout the home. The kitchen offers granite countertops, a backsplash installed approximately two years ago, under-cabinet lighting, and a double-door refrigerator. The washer and dryer are included. The primary suite features an updated bathroom with new granite countertops, new tile, new faucets, a walk-in shower, and a walk-in tub. Additional improvements include a roof approximately three years old, a four-year-old HVAC system that has been recently serviced, and a tankless water heater. Outside, the private backyard is enclosed by a vinyl privacy fence and features a screened outdoor living area with a heated saltwater pool and heated hot tub, each equipped with its own separate pump. A newer double-wide side entrance can provide convenient access for a boat, recreational vehicle, or additional vehicle, subject to applicable HOA and county regulations. The property also features an irrigation system and a 3-car garage with newly installed aluminum attic steps for convenient access to additional storage. For added preparedness, the home features a dedicated generator connection with its own junction box and dedicated electrical circuits, providing a convenient setup for connecting a generator when needed. Residents of Gulfwinds enjoy community amenities including a nearby community pool, with HOA services covering community pool access, community grounds maintenance, cable TV, and internet. Gulfside Elementary in Holiday, Florida, closed in mid-2026 and has merged with Paul R. Smith Middle School K1-8. The two nearby, under-capacity campuses combined to form a single unified K-8 school operating at the Paul R. Smith site on Sweetbriar Drive. Conveniently located near the historic Tarpon Springs Sponge Docks, Belle Harbour and Port Tarpon Marinas, Fred Howard Park Beach, boating, dining, shopping, riding and walking trails, the Anclote River and Gulf parks, nearby islands, and spectacular Gulf Coast sunsets. With four bedrooms, three full bathrooms, a dedicated office, multiple living and dining areas, a 3-car garage, private fenced yard, heated saltwater pool and hot tub, tankless water heater, plantation shutters, and numerous recent improvements, 2309 Swordfish Ave offers an exceptional combination of comfort, functionality, and Florida outdoor living. Experience effortless Florida living in Gulfwinds—schedule your showing today!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,462

Sqft

0.24 ac

Lot size

3

Garage

2007

Year built

One

Levels

$223

Per sqft

Private poolPets allowed

Inside

FlooringCarpet · Ceramic Tile · Epoxy · Tile
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationConcrete Perimeter · Slab
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorHurricane Shutters · Irrigation System · Lighting

Community & fees

HOA fee$186/mo
Taxes (2025)$4,135/yr
PetsYes
CommunityLake · Clubhouse · Deed Restrictions · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Sewer Connected · Water Connected
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.

$4,172 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property tax — 2025 actual bill$345
HOA fee — from the listing$186
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $19,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $19,250
Interest rate6.00%
Loan term

Estimated payment

$4,172/mo

Principal & interest$3,238
FHA mortgage insurance (est.)$243
Property taxes (actual bill)$345
HOA / condo fee$186
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 $550K
$482KedgeAI estimate $686,430 · range $502K$994K$1.0M

vs edgeAI estimate

−19.9%

$/sqft vs Holiday actives

$223 vs $188

Days on market

14 vs 45 typical

Where $223/sqft sits among the 271 Holiday actives

36
48
63
44
48 · this home
32
$112–139$139–167$167–194$194–221$221–249$249+

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 Holiday

Drive times from this address

Tampa Int’l Airport (TPA)46 min
Downtown Tampa50 min

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

Get to know Holiday. See the full Holiday guide →

HOLIDAY 34691 — neighborhood snapshot

Population

20,072

Median age

46.3

Median income

$48,387

Median home value

$172,100

Avg household

2.13

Households w/ children

1,689

For the school run

Pasco County School District

ElementaryGulf Trace Elementary School★★★★
MiddlePaul R. Smith Middle School★★★★
HighAnclote High School★★★★★

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

The numbers that matter

The Holiday market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$233K$232K

Holiday median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

168 of 271

Holiday actives have cut their price

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

This home is listed 139% above the HOLIDAY 34691 median. See the full Holiday market guide →

Paper trail

This home's history

Aug 21, 2026Listed at $550,000 · 14 days on market since
2007Built · GULFWINDS

Reality check

What actually sold near 2309 SWORDFISH AVENUE

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

2423 TRIGGERFISH COURTSold · Jul ’26

$490,000

2423 TRIGGERFISH COURT · same community

4 bd · 3 ba · 2,462 sqft · $199/sqft · 14 DOM

2003 BARRACUDA COURTSold · Jul ’26

$326,000

2003 BARRACUDA COURT · same community

3 bd · 2 ba · 1,876 sqft · $174/sqft · 158 DOM

2134 BARRACUDA COURTSold · Jun ’26

$326,500

2134 BARRACUDA COURT · same community

3 bd · 2 ba · 1,876 sqft · $174/sqft · 23 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2309 SWORDFISH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2309 SWORDFISH AVENUE — before you fall in love.

See it in person

Schedule a tour

Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2309 SWORDFISH AVENUE FAQs

What would the monthly payment be for 2309 SWORDFISH AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,172/mo — principal and interest, the actual property-tax bill, the $186/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 2309 SWORDFISH AVENUE?+

The association fee works out to $186 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2309 SWORDFISH AVENUE?+

The most recent tax bill on record (2025) was $4,135. 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 2309 SWORDFISH AVENUE?+

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 Holiday?+

At $550,000, this home is listed about 129% above the Holiday median of $239,950. The market section on this page shows how the area is trending.

Which schools are assigned to 2309 SWORDFISH AVENUE?+

Gulf Trace Elementary School (elementary), Paul R. Smith Middle School (middle), Anclote High School (high) — Pasco County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Greg Palumbo. MLS #TB8540451.

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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