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4545 DEBBIE LANE, Lutz, 33559

$420,000

4

Beds

2.5

Baths

2,478 ft2

Property Size

1980

Year Built

About The Property

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!

Property Details

Property Id: 2229817
Price: $420,000
Property Size: 2,478 ft2
Property Lot Size: 0 ft2
Rooms: 8
Bedrooms: 4
Bathrooms: 2.5
BathroomsFull: 2
BathroomsHalf: 1
BuildingAreaTotal: 3084
ConstructionMaterials: Block
Cooling: Central Air
CoveredSpaces: 2
CumulativeDaysOnMarket: 84
DirectionFaces: Northeast
Directions: From Wesley Chapel Blvd., Turn on Magnolia Blvd., Turn R on Birdsong Blvd., L Debbie Blvd., Home 0.2 mi on right.
ElementarySchool: Veterans Elementary School
Fencing: Vinyl
FireplaceFeatures: Wood Burning
Flooring: Vinyl
Furnished: Unfurnished
GarageSpaces: 2
Heating: Heat Pump
HighSchool: Cypress Creek High-PO
InternetAddressDisplayYN: 1
InternetAutomatedValuationDisplayYN: 1
InternetConsumerCommentYN: 1
InternetEntireListingDisplayYN: 1
LaundryFeatures: Inside, Laundry Room
Levels: One
ListAOR: Suncoast Tampa
ListAgentFullName: Kurt Derkevics
ListOfficeName: FUTURE HOME REALTY INC
ListingContractDate: 2026-09-05
ListingId: TB8545612
ListingTerms: Cash, Conventional, FHA, VA Loan
LivingAreaSource: Public Records
LivingAreaUnits: Square Feet
LotSizeArea: 10440
LotSizeSquareFeet: 10440
LotSizeUnits: Square Feet
MLSAreaMajor: 33559 - Lutz
MiddleOrJuniorSchool: Cypress Creek Middle School
MlsStatus: Active
ModificationTimestamp: 2026-09-05T13:15:26.370Z
OnMarketDate: 2026-09-05
OriginalListPrice: 420000
OriginatingSystemName: Stellar MLS
Ownership: Fee Simple
PhotosChangeTimestamp: 2026-09-05T12:52:11.399Z
PhotosCount: 37
PoolFeatures: In Ground
PropertyCondition: Completed
Roof: Shake
Sewer: Private Sewer
SpecialListingConditions: None
StateOrProvince: FL
StoriesTotal: 1
StreetName: DEBBIE
StreetNumber: 4545
StreetSuffix: LANE
Utilities: Cable Connected, Electricity Connected, Sewer Connected, Water Connected
View: Trees/Woods
WaterSource: Public
YearBuilt: 1980
Zoning: R3

Amenities and Features

Outdoor Details
Garage Attached
Other Features
1
Dishwasher
Dryer
Electric Water Heater
Has a View
Has Cooling System
Has Fireplace
Has Garage
Has Heating System
Has Pool
High Ceilings
Microwave
Open Floorplan
Refrigerator
Sliding Doors
Thermostat
Washer

Map Location

Property Map

Mortgage Calculator

Payment Calculator

$2,153.42
per month
  • Principal and Interest
  • Property Tax
  • HOA fee
  • Private Mortgage Insurance
$ 1,628.42

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Disclaimer

Property ID - | 2229817

All listings featuring the Stellar MLS logo are provided by My Florida Regional MLS DBA Stellar MLS. This information is not verified for authenticity or accuracy and is not guaranteed. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by MLS.

©2025 My Florida Regional MLS DBA Stellar MLS. All rights reserved.

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Selinda Moore