Under contract-accepting backup offers. 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!
Accepting backups
$420,000
4545 DEBBIE LANE, LUTZ, FL 33559
4beds
2,478sqft
Single Family Residence
Built in 1980
10,440 Square Feet Lot
$418,800 Zestimate®
$169/sqft
$-- HOA
What's special
Beautiful gray shaker-style cabinetsAbundance of natural lightQuartz countertopsDistinctive open layoutRemodeled kitchenLong flowing spaces
- 58 days
- 641
- 60
Likely to sell faster than
Zillow last checked:
Listing updated:
Listed by:
Kurt Derkevics 813-404-0769,
FUTURE HOME REALTY INC 813-855-4982
Source: Stellar MLS,MLS#: TB8545612
Originating MLS: Suncoast Tampa

Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Primary bedroom
- Features: Walk-In Closet(s)
- Level: First
- Area: 208 Square Feet
- Dimensions: 13x16
Bedroom 2
- Features: Built-in Closet
- Level: First
- Area: 144 Square Feet
- Dimensions: 12x12
Bedroom 3
- Features: Built-in Closet
- Level: First
- Area: 112 Square Feet
- Dimensions: 8x14
Bedroom 4
- Features: Built-in Closet
- Level: First
- Area: 180 Square Feet
- Dimensions: 12x15
Primary bathroom
- Level: First
Dining room
- Level: First
- Area: 160 Square Feet
- Dimensions: 10x16
Kitchen
- Level: First
- Area: 171 Square Feet
- Dimensions: 9x19
Living room
- Level: First
- Area: 99 Square Feet
- Dimensions: 11x9
Heating
- Heat Pump
Cooling
- Central Air
Appliances
- Included: Dishwasher, Electric Water Heater, Microwave, Refrigerator
- Laundry: Inside, Laundry Room
Features
- High Ceilings, Open Floorplan, Thermostat
- Flooring: Vinyl
- Doors: Sliding Doors
- Has fireplace: Yes
- Fireplace features: Wood Burning
Interior area
- Total structure area: 3,084
- Total interior livable area: 2,478 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage - Attached
- Attached garage spaces: 2
- Details: Garage Dimensions: 21x20
Features
- Levels: One
- Stories: 1
- Has private pool: Yes
- Pool features: In Ground
- Fencing: Vinyl
- Has view: Yes
- View description: Trees/Woods
Lot
- Size: 10,440 Square Feet
Details
- Parcel number: 192614005.0000.00226.0
- Zoning: R3
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family Residence
Materials
- Block
- Foundation: Slab
- Roof: Shake
Condition
- Completed
- New construction: No
- Year built: 1980
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Community & HOA
Community
- Pet fee: $0 monthly
- Subdivision: TAMPA DOWNS HEIGHTS
HOA
- Has HOA: No
Location
- Region: Lutz
Financial & listing details
- Price per square foot: $169/sqft
- Tax assessed value: $381,334
- Annual tax amount: $4,249
- Date on market: 9/5/2026
- Cumulative days on market: 130 days
- Listing terms: Cash,Conventional,FHA,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Asphalt, Paved
Estimated market value
$418,800
$398,000 - $440,000
$3,184/mo
Price history
| Date | Event | Price |
|---|---|---|
| 9/5/2026 | Listed for sale | $420,000-5.6%$169/sqft |
Source: | ||
| 9/3/2026 | Listing removed | $445,000$180/sqft |
Source: | ||
| 7/9/2026 | Price change | $445,000-7.3%$180/sqft |
Source: | ||
| 7/3/2026 | Price change | $479,999-2%$194/sqft |
Source: | ||
| 6/10/2026 | Listed for sale | $489,999+4.3%$198/sqft |
Source: | ||
| 2/9/2026 | Listing removed | $470,000$190/sqft |
Source: | ||
| 1/23/2026 | Price change | $470,000-2.1%$190/sqft |
Source: | ||
| 12/10/2025 | Price change | $480,000-1%$194/sqft |
Source: | ||
| 11/4/2025 | Price change | $485,000-3%$196/sqft |
Source: | ||
| 9/10/2025 | Price change | $499,999-2.9%$202/sqft |
Source: | ||
| 8/1/2025 | Listed for sale | $515,000+134.1%$208/sqft |
Source: | ||
| 4/3/2025 | Sold | $220,000-11.3%$89/sqft |
Source: Public Record Report a problem | ||
| 3/17/2020 | Sold | $248,000-0.8%$100/sqft |
Source: Public Record Report a problem | ||
| 2/8/2020 | Pending sale | $249,900$101/sqft |
Source: Coldwell Banker Pency Owens Realty, Inc. #T399927 Report a problem | ||
| 1/28/2020 | Price change | $249,900-10.7%$101/sqft |
Source: Coldwell Banker Pency Owens Realty, Inc. #T399927 Report a problem | ||
| 11/7/2019 | Price change | $279,900-6.7%$113/sqft |
Source: Coldwell Banker Pency Owens Realty, Inc. #T399927 Report a problem | ||
| 9/23/2019 | Listed for sale | $300,000$121/sqft |
Source: COLDWELL BANKER PENCY OWENS RE #T3199927 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $4,250 +2.4% | $274,560 +2.9% |
| 2024 | $4,149 +3.8% | $266,830 |
| 2023 | $3,999 +11% | $266,830 +3% |
| 2022 | $3,603 +1.9% | $259,060 +6.1% |
| 2021 | $3,537 +1% | $244,197 +21.1% |
| 2020 | $3,501 +0.3% | $201,614 +1.2% |
| 2019 | $3,490 | $199,229 +80.9% |
| 2018 | $3,490 +158% | $110,155 |
| 2017 | $1,353 +0.9% | $110,155 +4.2% |
| 2016 | $1,341 +3.5% | $105,670 +0.7% |
| 2015 | $1,296 +2.7% | $104,935 -7.4% |
| 2014 | $1,263 | $113,348 +59% |
| 2013 | -- | $71,309 +9.7% |
| 2012 | -- | $65,006 -51.1% |
| 2011 | -- | $133,044 -0.1% |
| 2010 | -- | $133,122 -18.5% |
| 2009 | -- | $163,244 -16.8% |
| 2008 | -- | $196,212 -8.1% |
| 2007 | -- | $213,468 +3.9% |
| 2006 | -- | $205,542 +34.9% |
| 2005 | -- | $152,362 +6.8% |
| 2004 | -- | $142,647 +28.9% |
| 2003 | -- | $110,665 -1% |
| 2002 | -- | $111,793 +16.5% |
| 2000 | -- | $95,997 |
| 1999 | -- | $95,997 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: Tampa Downs Heights
Nearby schools
Schools provided by the listing agent
- Elementary: Veterans Elementary School
- Middle: Cypress Creek Middle School
- High: Cypress Creek High-PO
Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.








