4545 Debbie Lane

LUTZ, FL
$ 420,000 Beds 4 Baths 2.5 Sq 2,478 Virtual Tour
Monthly Estimate* How much can I afford?

A Rare Find in Lutz/Wesley Chapel — Pool Home with NO HOA and NO CDD! This unique pool home offers an exceptional combination of space, updates, privacy, and location — all with NO HOA and NO CDD! With the lowest price per square foot for a pool home in the area, this property presents an opportunity to own a very nice home in a highly desirable part of Lutz and Wesley Chapel while walking into instant equity. Inside, the home features a distinctive open layout with long, flowing spaces and an abundance of natural light. The remodeled kitchen features beautiful gray shaker-style cabinets, quartz countertops, plenty of workspace for cooking and entertaining, and an enormous pantry providing an exceptional amount of storage. Luxury vinyl flooring runs throughout the home, creating a consistent and modern look. One of the home's most distinctive features is the living room, where gorgeous exposed wood beams add warmth and character, while beautiful fireplace serves as the centerpiece of the room, creating a natural gathering space and giving the home a style that is difficult to duplicate. The bathrooms have also been updated with new vanities and modern finishes. The enormous backyard sits on a conservation lot, offering a level of privacy and natural surroundings that is increasingly difficult to find in this area. The pool area includes a large covered space, providing plenty of room to relax, entertain, or simply enjoy the Florida lifestyle while staying out of the sun. The location is another major advantage. Situated just off Wesley Chapel Boulevard, the home is conveniently positioned near restaurants, shopping, schools, and the many amenities throughout the Lutz and Wesley Chapel area. Wesley Chapel Boulevard is currently undergoing improvements, with completion slated for May 2027, bringing additional enhancements to this important local thoroughfare. The home is zoned for A-rated elementary, middle, and high schools, adding another valuable benefit for those looking to be in a highly regarded school area. Homes offering this combination of a pool, large conservation lot, updated interior, unique character, convenient location, NO HOA, and NO CDD are hard to find. Add in the value offered by the price per square foot, and this is an opportunity worth taking a serious look at. This is truly a hidden gem in the Lutz/Wesley Chapel area with the space, features, location, and freedom buyers are looking for — without the HOA or CDD fees and no flood insurance required. Call me to schedule your showing today!

Active

  • Price
  • $ 420,000
  • City
  • LUTZ
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • Pasco
  • Half Bathrooms
  • 1
  • Area
  • Lutz
  • Lot Size
  • 0.24 Acres
  • Zip
  • 33559
  • Sqr Footage
  • 2,478
  • Year Built
  • 1980
  • Taxes
  • $ 4249
  • Style
  • Single Family Residence
  • MLS#
  • TB8545612
Listed By: FUTURE HOME REALTY INC with 813-855-4982. - 813-855-4982
Data Source: Stellar MLS

Features

General

Sewer Public Sewer
Heating Heat Pump
Cooling Central Air
Utilities Cable Connected,Electricity Connected,Sewer Connected,Water Connected
Roof Shake
Appliances Dishwasher,Electric Water Heater,Microwave,Refrigerator
Zoning R3
Garage Spaces 2
Pool Features In Ground
Construction Materials Block
Year Built 1980
View Trees/Woods
Levels One
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
County Pasco
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name TAMPA DOWNS HEIGHTS
Facing Direction Northeast
Garage Y/N true
Total Rooms 8
Full Baths 2
Status Active
Directions From Wesley Chapel Blvd., Turn on Magnolia Blvd., Turn R on Birdsong Blvd., L Debbie Blvd., Home 0.2 mi on right.
High School Cypress Creek High-PO
City LUTZ
Senior Community Y/N false
MLS Area 33559 - Lutz
Lot Size Units Square Feet
Lot Size Square Feet 10440
Carport Y/N false
Listing Terms Cash,Conventional,FHA,VA Loan
Elementary School Veterans Elementary School
Land Lease Y/N false
Tax Annual Amount 4249.72
Middle/Junior High School Cypress Creek Middle School
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 226
Legal Description TAMPA DOWNS HEIGHTS UNIT 4 PB 11 PG 145 LOT 226
Minimum Lease No Minimum
Water Access Y/N false
Water View Y/N false
Flood Zone Code X*
In Law Suite YN false
Flood Zone Code X Yes
DockY/N false

Interior Features

Interior Amenities High Ceilings,Open Floorplan,Thermostat
Flooring Vinyl
Furnished Y/N Unfurnished
Fireplace Features Wood Burning
Total Stories 1
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N true
Half Baths 1
Laundry Features Inside,Laundry Room
Total Bedrooms 4
LivingAreaSource Public Records
Total Baths 3

Exterior Features

Exterior Amenities Sliding Doors
Fencing Vinyl
Water Source Public
Lot Size Area 10440
Foundation Details Slab
Spa false
Building Area Total 3084
Lot Size Acres 0.24
Road Surface Type Asphalt,Paved
Private Pool true
Waterfront Y/N false
Covered Spaces 2

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Cape Coral, FL office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Veterans Elementary School Elementary School
Middle School Cypress Creek Middle School Middle School
High School Cypress Creek High-PO High School

Price History

9/5/2026 Listed $420,000

Property vs Zip Code Average in 33559

Price
AVG $670K
$420K
Taxes
AVG $6,608
$4,249
Year Built
AVG 1998
1980

Areas That We Cover

4545 Debbie Lane LUTZ, FL is a Single Family Home for sale at $420000 with 2478 sqft and a lot size of 0.24 Acres Acre(s). 4545 Debbie Lane LUTZ has 4 bedrooms, 2 baths and was built in 1980. The property's zip code is 33559 which is in LUTZ, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided 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.