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Accepting backups
  • $420,000

    4545 DEBBIE LANE, LUTZ, FL 33559

    4beds
    2,478sqft
    : 
    $2,966/mo
    Get pre-qualified
    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
    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!
    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#: TB8545612MLS LogoOriginating 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

        DateEventPrice
        9/5/2026Listed for sale$420,000-5.6%$169/sqft
        Source: Stellar MLS #TB8545612 Report a problem
        9/3/2026Listing removed$445,000$180/sqft
        Source: Stellar MLS #TB8517394 Report a problem
        7/9/2026Price change$445,000-7.3%$180/sqft
        Source: Stellar MLS #TB8517394 Report a problem
        7/3/2026Price change$479,999-2%$194/sqft
        Source: Stellar MLS #TB8517394 Report a problem
        6/10/2026Listed for sale$489,999+4.3%$198/sqft
        Source: Stellar MLS #TB8517394 Report a problem
        2/9/2026Listing removed$470,000$190/sqft
        Source: Stellar MLS #TB8412583 Report a problem
        1/23/2026Price change$470,000-2.1%$190/sqft
        Source: Stellar MLS #TB8412583 Report a problem
        12/10/2025Price change$480,000-1%$194/sqft
        Source: Stellar MLS #TB8412583 Report a problem
        11/4/2025Price change$485,000-3%$196/sqft
        Source: Stellar MLS #TB8412583 Report a problem
        9/10/2025Price change$499,999-2.9%$202/sqft
        Source: Stellar MLS #TB8412583 Report a problem
        8/1/2025Listed for sale$515,000+134.1%$208/sqft
        Source: Stellar MLS #TB8412583 Report a problem
        4/3/2025Sold$220,000-11.3%$89/sqft
        Source: Public Record Report a problem
        3/17/2020Sold$248,000-0.8%$100/sqft
        Source: Public Record Report a problem
        2/8/2020Pending sale$249,900$101/sqft
        Source: Coldwell Banker Pency Owens Realty, Inc. #T399927 Report a problem
        1/28/2020Price change$249,900-10.7%$101/sqft
        Source: Coldwell Banker Pency Owens Realty, Inc. #T399927 Report a problem
        11/7/2019Price change$279,900-6.7%$113/sqft
        Source: Coldwell Banker Pency Owens Realty, Inc. #T399927 Report a problem
        9/23/2019Listed for sale$300,000$121/sqft
        Source: COLDWELL BANKER PENCY OWENS RE #T3199927 Report a problem

        Public tax history

        YearProperty taxesTax 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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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: Tampa Downs Heights

        Getting around

        38 / 100
        Car-Dependent
        31 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        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.

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