2089 SWAN LANE, SAFETY HARBOR, FL, 34695
Active113 days on marketListed Apr 15, 2026MLS #TB8496442
About this home
2089 SWAN LANE
Welcome to your slice of Florida paradise in the heart of Safety Harbor! Nestled on a quiet street, this beautifully maintained home at 2089 Swan Lane offers the perfect blend of comfort, style, and location. Step inside to discover a light-filled, open-concept layout designed for both everyday living and entertaining. The spacious living areas flow seamlessly, complemented by well-appointed finishes and a functional floor plan with luxury vinyl flooring throughout. The kitchen serves as the heart of the home, featuring an beautifully updated kitchen. This pool home offers 4 bedrooms and 2 bathrooms. Outside, enjoy your own backyard oasis featuring an enclosed pool with a travertine pool deck and a fully fenced yard—perfect for relaxing, gardening, or hosting weekend barbecues. Enjoy the peace of mind knowing the windows and sliders were updated in 2022 and are hurricane impact rated, as well as a 2021 hvac system and a 2015 roof. Not to mention, the hvac duct work was just professionally cleaned to ensure a health conscious home. Located just minutes from charming downtown Safety Harbor, you'll enjoy easy access to local shops, dining, parks, and the waterfront. With its prime location, inviting layout, and move-in-ready appeal, this home is an exceptional opportunity you won’t want to miss. Schedule your private showing today and experience all that this wonderful property has to offer!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,211
Sqft
0.18 ac
Lot size
2
Garage
1981
Year built
One
Levels
$285
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 — not generic estimates.
$4,485 /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
$4,485/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
−11.4%
$/sqft vs Safety Harbor actives
$285 vs $324
Days on market
113 vs 64 typical
Where $285/sqft sits among the 91 Safety 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 Safety Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Safety Harbor. See the full Safety Harbor guide →
SAFETY HARBOR 34695 — neighborhood snapshot
Population
17,882
Median age
50.6
Median income
$96,138
Median home value
$418,200
Avg household
2.42
Households w/ children
1,727
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Safety Harbor market
$548K → $554K
Safety Harbor median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
56 of 91
Safety Harbor actives have cut their price
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2089 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 · Jul ’26$570,000
30 TURNSTONE DRIVE · same community
4 bd · 2.5 ba · 2,246 sqft · $254/sqft · 19 DOM
Sold · Dec ’25$670,000
1014 BRAMBLEWOOD COURT
3 bd · 2 ba · 2,206 sqft · $304/sqft · 75 DOM
Sold · Nov ’25$765,000
1111 CHATHAM COURT
4 bd · 2 ba · 2,235 sqft · $342/sqft · 112 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2089 SWAN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2089 SWAN LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2089 SWAN LANE FAQs
What would the monthly payment be for 2089 SWAN LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,485/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2089 SWAN LANE?+
The most recent tax bill on record (2025) was $8,274. 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 2089 SWAN LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 Safety Harbor?+
At $630,000, this home is listed about 1% above the Safety Harbor median of $622,450. The market section on this page shows how the area is trending.
Which schools are assigned to 2089 SWAN LANE?+
Countryside High School (high), Leila Davis Elementary School (elementary), Safety Harbor Middle School (middle) — 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
$630,000 runs 19% above the SAFETY HARBOR 34695 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Countryside High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $699,000, now $630,000 — a $69K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Nicholas Saltzman. MLS #TB8496442.
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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