David Ramirez
$1,299,0004 bd3.5 ba3,485 sqft$373 /sqft$8,536 /mo all-in ↓

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

Active99 days on marketListed May 6, 2026MLS #TB8505584

WaterfrontPrivate poolSingle Family ResidenceSWANN LAKE

About this home

3626 SWANS LANDING DRIVE

Experience a rare opportunity to own nearly one acre of prime lakefront property in the exclusive gated community of Swann Lake. Situated on the shores of the 180-acre ski-sized Lake Padgett, this former builder model combines exceptional craftsmanship, expansive water views, and resort-style outdoor living in one of Land O' Lakes' most sought-after waterfront settings. Offering approximately 3,485 square feet, this move-in ready residence features 4 bedrooms, 3.5 baths, a dedicated office, and an oversized 3-car garage. Designed to maximize its remarkable setting, the home is filled with natural light, soaring 12-foot ceilings, and expansive glass that frames panoramic lake views from many of the main living areas. The thoughtfully designed floor plan blends comfort with functionality. The private office features wood flooring, custom built-ins, and direct access to the front patio, creating an ideal space for working from home. At the center of the home, the spacious kitchen showcases a large island with breakfast bar seating and flows effortlessly into the family room and dining area, making it equally suited for everyday living or entertaining. The primary suite is positioned to take advantage of the tranquil lake setting and includes private access to the screened lanai, dual walk-in closets, and a spacious en-suite bath with dual vanities, a soaking tub, and a walk-in shower. A secondary bedroom with its own private bath and walk-in closet offers excellent flexibility for guests or multi-generational living. Outdoor living is where this home truly shines. Relax beside the screened pool, prepare meals on the built-in gas grill, entertain on the spacious lanai, or enjoy spectacular sunsets overlooking the water. The private composite dock provides direct access to Lake Padgett for boating, skiing, fishing, paddleboarding, kayaking, and year-round waterfront recreation. Quality construction and thoughtful upgrades are evident throughout, including multiple 8-foot interior and exterior doors, expansive two-, three-, and four-panel sliding glass door systems that create seamless indoor-outdoor living, a striking etched crane glass entry door, a whole-house generator, new pool pump, paver driveway, paver front porch, and extensive built-in garage storage. Located within an intimate community of only 55 homes, Swann Lake residents enjoy a gated entrance, private community boat ramp and dock, tennis and pickleball courts, basketball court, playground, and optional storage for boats and recreational vehicles. Properties offering this combination of nearly one acre of land, private ski lake frontage, a pool, private dock, gated privacy, and a former model home's quality are increasingly difficult to find. Conveniently located near major highways, shopping, dining, and everyday conveniences, this exceptional property presents an opportunity to enjoy Florida lakefront living at its finest. 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

$373

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$217/mo
Taxes (2025)$7,946/yr
PetsYes
CommunityDock · Lake · Private Boat Ramp · Water Access · Dog Park · 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.

$8,536 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property tax — 2025 actual bill$662
HOA fee — from the listing$217
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,900Loan30-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% · $129,900
Interest rate6.00%
Loan term

Estimated payment

$8,536/mo

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property taxes (actual bill)$662
HOA / condo fee$217
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
$654KedgeAI estimate $776,892 · range $682K$939K$1.4M

vs edgeAI estimate

+67.2%

$/sqft vs Land O Lakes actives

$373 vs $205

Days on market

99 vs 47 typical

Where $373/sqft sits among the 400 Land O Lakes actives

138
147
62
24
11
18 · this home
$153–190$190–227$227–263$263–300$300–336$336+

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

Map of 3626 SWANS LANDING DRIVE

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 market2.7 months of inventoryBuyer’s market

$423K$415K

Land O Lakes median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

217 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 237% above the LAND O LAKES 34639 median. See the full Land O Lakes market guide →

Paper trail

This home's history

May 6, 2026Listed at $1,299,000 · 99 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

22531 EAGLES WATCH DRIVESold · Sep ’25

$560,000

22531 EAGLES WATCH DRIVE

5 bd · 3 ba · 3,218 sqft · $174/sqft · 322 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · 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

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

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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 $8,536/mo — principal and interest, the actual property-tax bill, the $217/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 $217 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 $1,299,000, this home is listed about 206% above the Land O Lakes median of $424,900. 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

Four things that matter here

01Positioned at the premium end

$1,299,000 runs 237% 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.

03Time on market is leverage

99 days on market against a Land O Lakes median of 47 — sellers in this position are usually ready to negotiate.

04Strong 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 EPIQUE REALTY INC.. MLS #TB8505584.

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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