CENTURY 21 Edge
$1,275,0004 bd3.5 ba3,485 sqft$366 /sqft$8,385 /mo all-in ↓

3626 SWANS LANDING DRIVE, LAND O LAKES, FL, 34639

Active11 days on marketListed Sep 11, 2026MLS #TB8547253

WaterfrontPrivate poolSingle Family ResidenceSWANN LAKE

About this home

3626 SWANS LANDING DRIVE

Rarely does a lakefront home combine recent, high-end renovations with nearly an acre of private, ski-lake frontage — this one does both. Tucked inside the gated, 55-home enclave of Swann Lake on 180-acre Lake Padgett, this 4-bedroom, 3.5-bath, 3,485-square-foot former model home has been extensively updated in 2025 and 2026, making it one of the most move-in-ready waterfront listings in Land O' Lakes. Step inside to soaring 12-foot ceilings and walls of glass framing panoramic lake views. The kitchen was fully renovated in November 2025 with brand-new countertops, cabinets, and backsplash, paired with like-new appliances — a true showpiece for entertaining. Fresh interior and exterior paint (2026), new light fixtures throughout, redone cabinetry, and new closet doors in the primary suite give the entire home a crisp, updated feel from the moment you walk in. The private office/library was just outfitted with brand-new hardwood flooring, creating a polished work-from-home retreat. The primary suite offers direct access to the screened lanai, dual walk-in closets, and a spa-style bath with an all-new countertop (2026), dual vanities, a soaking tub, and walk-in shower. A secondary bedroom with its own private bath, walk-in closet, and — new this year — its own updated flooring, sink, and countertop, is ideal as a guest suite or in-law retreat. Bathroom 2 and the laundry room also received brand-new sinks and countertops, and select bedroom windows on the south side were fitted with new blinds. Outdoor living is where this property truly becomes the epitome of an entertainer's retreat. Picture evenings by the screened, chlorinated pool with its cascading waterfall feature, grilling on the brand-new outdoor kitchen setup, and a fully integrated indoor/outdoor speaker system that carries music seamlessly from the living space out to the lanai and pool deck — setting the mood for everything from lakeside cocktail hours to full-scale gatherings under the stars. New sidewalk lighting illuminates the backyard in the evenings, and a private composite dock puts boating, skiing, fishing, kayaking, and paddleboarding on Lake Padgett right at your doorstep. Additional quality features include 8-foot interior and exterior doors, multi-panel sliding glass door walls for seamless indoor-outdoor flow, an etched glass entry door, a whole-house generator, a new pool pump, and a paver driveway and front porch. The roof is original to the home and has been inspected every year, with underlayment replaced as needed. Washer and dryer stay, making this an easy transition to lakefront living. Swann Lake residents enjoy a gated entrance, private community boat ramp and dock, tennis and pickleball courts, a basketball court, a playground, and optional boat/RV storage. Homes offering this combination — nearly an acre, private ski-lake frontage, a recently renovated interior, a pool, and gated privacy — rarely come to market. Minutes from major highways, shopping, and dining. Schedule your private showing today.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,485

Sqft

0.71 ac

Lot size

3

Garage

1995

Year built

One

Levels

$366

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Propane
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener · Golf Cart Garage · Ground Level
ExteriorFrench Doors · Lighting · Outdoor Grill · Rain Gutters · Sidewalk

Community & fees

HOA fee$205/mo
Taxes (2025)$7,946/yr
PetsYes
CommunityDock · Lake · Private Boat Ramp · Water Access · Park · Playground · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Propane · Sewer Connected · Water Connected
WaterCanal/Lake For Irrigation · Public

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.

$8,385 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property tax — 2025 actual bill$662
HOA fee — from the listing$205
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $127,500Loan30-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% · $127,500
Interest rate6.00%
Loan term

Estimated payment

$8,385/mo

Principal & interest$6,880
PMI (est., until 20% equity)$478
Property taxes (actual bill)$662
HOA / condo fee$205
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 $1.3M
$695KedgeAI estimate $794,660 · range $724K$973K$1.3M

vs edgeAI estimate

+60.4%

$/sqft vs Land O Lakes actives

$366 vs $205

Days on market

11 vs 43 typical

Where $366/sqft sits among the 400 Land O Lakes actives

135
137
70
25
10
23 · this home
$153–188$188–224$224–259$259–295$295–330$330+

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 Land O Lakes

Drive times from this address

Downtown Tampa27 min
Tampa Int’l Airport (TPA)32 min

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

Get to know Land O Lakes. See the full Land O Lakes guide →

LAND O LAKES 34639 — neighborhood snapshot

Population

31,118

Median age

40.8

Median income

$99,959

Median home value

$361,100

Avg household

2.92

Households w/ children

3,955

For the school run

Pasco County School District

ElementaryDenham Oaks Elementary School★★★★★
HighWiregrass Ranch High School★★★★
MiddleDr. John Long Middle School★★★★

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

The numbers that matter

The Land O Lakes market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$423K$414K

Land O Lakes median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

237 of 400

Land O Lakes actives have cut their price

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

This home is listed 236% above the LAND O LAKES 34639 median. See the full Land O Lakes market guide →

Paper trail

This home's history

Sep 11, 2026Listed at $1,275,000 · 11 days on market since
1995Built · SWANN LAKE

Reality check

What actually sold near 3626 SWANS LANDING DRIVE

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

3212 SUNSET LAKES BOULEVARDSold · Sep ’25

$925,000

3212 SUNSET LAKES BOULEVARD

4 bd · 3 ba · 3,500 sqft · $264/sqft · 107 DOM

20627 BROADWATER DRIVESold · May ’26

$1,175,000

20627 BROADWATER DRIVE

4 bd · 3 ba · 3,523 sqft · $334/sqft · 6 DOM

3122 LOIS COURTSold · Oct ’25

$465,000

3122 LOIS COURT

5 bd · 3 ba · 3,099 sqft · $150/sqft · 5 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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3626 SWANS LANDING DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3626 SWANS LANDING DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3626 SWANS LANDING DRIVE FAQs

What would the monthly payment be for 3626 SWANS LANDING DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,385/mo — principal and interest, the actual property-tax bill, the $205/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 3626 SWANS LANDING DRIVE?+

The association fee works out to $205 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3626 SWANS LANDING DRIVE?+

The most recent tax bill on record (2025) was $7,946. 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 3626 SWANS LANDING DRIVE?+

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 Land O Lakes?+

At $1,275,000, this home is listed about 204% above the Land O Lakes median of $419,450. The market section on this page shows how the area is trending.

Which schools are assigned to 3626 SWANS LANDING DRIVE?+

Denham Oaks Elementary School (elementary), Wiregrass Ranch High School (high), Dr. John Long Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,275,000 runs 236% above the LAND O LAKES 34639 median — but at 3,485 sqft it's also 70% larger than the typical Land O Lakes listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Denham Oaks Elementary School, Wiregrass Ranch High School, Dr. John Long Middle School — Wiregrass Ranch High School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Audra Donaldson. MLS #TB8547253.

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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3626 SWANS LANDING DRIVE, LAND O LAKES, FL — 4 Bed, 3.5 Bath — $1,275,000 | CENTURY 21 Edge