
$420,000
4545 Debbie Lane
Lutz, FL 33559
Listing updated: September 6, 2026 at 6:47 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
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!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history1 days on market
- Status: ActiveSep 5, 2026
- Listed$420,000Sep 5, 2026
- Price increased$420,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Cumulative DOM
- 85
- Subdivision
- Tampa Downs Heights
- County
- Pasco
- Year built
- 1980
- Living area
- 2,478 sq ft
- Price/sq ft
- $169
- Building area
- 3,084 sq ft (Public Records)
- Lot size
- 10,440 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X* (12101C0426F)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $4,250 (2025)
- Parcel #
- 19-26-14-005.0-000.00-226.0
- Zoning
- R3
- MLS #
- TB8545612
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Half bathrooms
- 1
- Flooring
- Vinyl
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
- Interior features
- High Ceilings, Open Floorplan, Thermostat
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- Northeast
- Fireplace
- Yes
Heating & Cooling
- Heating
- Heat Pump
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Construction materials
- Block
- Roof
- Shake
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Private Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 13x16 |
| Primary Bathroom | First | |
| Bedroom 2 | First | 12x12 |
| Bedroom 3 | First | 8x14 |
| Bedroom 4 | First | 12x15 |
| Dining Room | First | 10x16 |
| Living Room | First | 11x9 |
| Kitchen | First | 9x19 |
Listing Details
- Listing date
- 2026-09-05
- On market date
- 2026-09-05
- Original list price
- $420,000
- Occupant type
- Vacant
- MLS area
- 33559 - Lutz
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-09-05
- Tax legal description
- TAMPA DOWNS HEIGHTS UNIT 4 PB 11 PG 145 LOT 226
Flood risk
See FEMA for this zone’s designation and insurance requirements.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Wesley Chapel Blvd., Turn on Magnolia Blvd., Turn R on Birdsong Blvd., L Debbie Blvd., Home 0.2 mi on right.
More homes like this


$409,000
4617 Debbie Ln
Lutz, FL 33559
3 bd · 2 ba · 1,825 sqft
Tampa Downs Heights
MLS ID #TB8523433, COLDWELL BANKER REALTY.
Listing provided by Stellar MLS

$395,000
3624 Cresthill Ln
Land O Lakes, FL 34639
3 bd · 2 ba · 1,758 sqft
Plantation Palms Ph 04c Unit 02
MLS ID #TB8546028, DENNIS REALTY & INV. CORP..
Listing provided by Stellar MLS

$420,000
30346 Rattana Ct
Wesley Chapel, FL 33545
4 bd · 3 ba · 2,222 sqft
Chapel Pines Ph 05
MLS ID #TB8542203, LPT REALTY, LLC.
Listing provided by Stellar MLS

$548,900
4023 Huntingdale Ct
Wesley Chapel, FL 33543
6 bd · 3 ba · 3,376 sqft
Country Walk 5 6a 6b 6c 7a 7b
MLS ID #TB8527006, THE ELITE REALTY EXPERIENCE.
Listing provided by Stellar MLS
Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of September 6, 2026 at 6:47 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA