4545 Debbie Lane, FL
Stellar MLS
1 / 1

$420,000

4545 Debbie Lane

Lutz, FL 33559

Listing updated: September 6, 2026 at 6:47 AM ET

Active
Stellar MLSListing courtesy of Future Home Realty Inc · Kurt Derkevics · MLS #TB8545612 · Active · 813-855-4982
4
Beds
3
Baths
2,478
Sq Ft
0.24
Acres
1980
Built
Private poolFireplace$169/sqft360° tour
Single Family Residence

Property type

1980

Year built

10,440 sqft

Lot size

$169

Price / sq ft

No HOA

HOA dues

1

Day on market

2

Garage spaces

X*

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

Principal & interest$2,124
Property taxes$354
Home insurance (est.)$193

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

  1. Status: Active
    Sep 5, 2026
  2. Listed$420,000
    Sep 5, 2026
  3. 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

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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

ElementaryVeterans Elementary SchoolGreatSchools ↗
MiddleACypress Creek Middle SchoolGreatSchools ↗
High SchoolCypress Creek High-POGreatSchools ↗

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

RoomLevelDimensions
Primary BedroomFirst13x16
Primary BathroomFirst
Bedroom 2First12x12
Bedroom 3First8x14
Bedroom 4First12x15
Dining RoomFirst10x16
Living RoomFirst11x9
KitchenFirst9x19

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

Zone X*FEMA Zone X*Panel 12101C0426F

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.

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MLS GRID

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.

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