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$420,000

4545 DEBBIE LANE, LUTZ, FL 33559

3D Tour
Active12 days on market

Beds

4

Baths

3

Sq Ft

2,478 sq ft

Year Built

1980

Lot Size

0.24 acres

Garage

2

About This 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 Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8545612
StatusActive
Year Built1980
Stories1
Total Rooms8
ConstructionBlock
RoofShake
FoundationSlab
FacesNortheast
SubdivisionTAMPA DOWNS HEIGHTS
CountyPasco
OwnershipFee Simple

Interior Features

InteriorHigh Ceilings, Open Floorplan, Thermostat
FlooringVinyl
AppliancesDishwasher, Electric Water Heater, Microwave, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingHeat Pump
FireplaceYes ()

Exterior & Lot

ExteriorSliding Doors
FencingVinyl
Lot Size0.24 acres (10,440 sq ft)
Road SurfaceAsphalt, Paved
ViewTrees/Woods

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$420,000
Annual Taxes$4,250 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR3
Parcel #192614005.0000.00226.0

Schools

ElementaryVeterans Elementary School
MiddleCypress Creek Middle School
HighCypress Creek High-PO

Directions

From Wesley Chapel Blvd., Turn on Magnolia Blvd., Turn R on Birdsong Blvd., L Debbie Blvd., Home 0.2 mi on right.

Location

4545 DEBBIE LANE, LUTZ, FL 33559

Listing Information

OfficeFUTURE HOME REALTY INC
ListedSeptember 5, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$420,000

20% ($84,000)
6.75%

Loan Term

Principal & Interest$2,179
Property Tax (est.)$385
Insurance (est.)$150
Total Monthly$2,714
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $420,000 home in LUTZ.

🏛️

FHA Loan

$14,700 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$21,000 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pasco County SHIP

Varies

Income-qualifying Pasco residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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. Data last updated: September 30, 2026.

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