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4545 DEBBIE LANE, LUTZ, FL - photo 1

$420,000

4545 DEBBIE LANE

LUTZ, FL 33559

Estimated payment $2,699/month

no HOA · estimated tax · estimated insurance · 20% down, 6.5%, 30 yr

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4Beds
3Baths
2,478Sq Ft
$169Price/Sq Ft

Preferred partner

Kinsfolk Realty

Kinsfolk Signature Realty

Powered by Hometrino

(813) 602-0498

Highlights

No HOA
Private Pool
Fireplace
Garage
Built in 1980
10,440 sqft Lot

About This Home

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!

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Facts & features

Bedrooms & bathrooms

  • •Bedrooms:4
  • •Bathrooms:3 (2 full, 1 half)
  • •Full bathrooms:2
  • •Half bathrooms:1

Heating

  • •Has Heating:Yes

Interior area

  • •Total structure area:2,478 sqft
  • •Total interior livable area:2,478 sqft

Parking

  • •Parking features:N/A
  • •Garage spaces:0
  • •Has attached garage:No

Lot

  • •Size:10,440 sqft

Details

  • •Parcel number:N/A

Type & style

  • •Home type:Single Family Residence
  • •Property subtype:Residential

Materials

  • • N/A

Condition

  • •Year built:1980

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Price history

DateEventPrice
2026-09-05T00:00:00.000ZListed for sale$420,000$169/sqft

Listing Agent

Kurt Derkevics

FUTURE HOME REALTY INC

Brokerage Phone: 813-855-4982

Source: Stellar MLS · MLS #TB8545612

Data Powered by Home Junction, Inc.

Nearby

Schools

VETERANS ELEMENTARY SCHOOL

Elementary · 0.5 mi

SEVEN OAKS ELEMENTARY SCHOOL

Elementary · 1.2 mi

QUAIL HOLLOW ELEMENTARY SCHOOL

Elementary · 2.8 mi

Supermarkets

Mind Over Matter Meal Prep

0.2 mi

Town Centre at Wesley Chapel

1.2 mi

Winn-Dixie

1.2 mi

Dining

Amici Pizza & Deli

0.3 mi

Happy Hanger Cafe

0.3 mi

hungry Howies

0.4 mi

Parks

Westbrook Park

0.6 mi

Lakeside Park

0.7 mi

Stillbrook Park

1.0 mi

Nearby amenity locations include data © OpenStreetMap contributors.