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4545 Debbie Ln, Lutz, FL, 33559

$169/sqft·Tampa Downs Heights

4 bd3 ba2,478 sqft2 car garageSingle Family
Listed by FUTURE HOME REALTY INC· Last updated · MLS# TB8545612

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Est. monthly payment
$2,754/mo
Down payment (20%)
$84,000
Property taxes
$354/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1980
Private pool
In Ground
2 car garage
10,440 sqft lot
Lot size
2,478 sqft
Living area

About this home

High CeilingsOpen FloorplanThermostatDishwasherDryerElectric Water HeaterMicrowaveRefrigerator

4545 Debbie Ln is a 1980-built home in Tampa Downs Heights, Lutz. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,478 square feet of living space. Listed at $420,000 (about $169/sqft), 1 days on market. Flood zone X* - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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!

The essentials

Built
1980
Price / sqft
$169
On market
6 days
Annual tax
$4,250
Flood zone
X* · Low risk
Lot
10,440 sqft
Type
Single Family Residence

Location

4545 Debbie Ln
Lutz, FL, 33559·33559 - Lutz
Type
Single Family Residence
Year Built
1980
Lot
10,440 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Pool
In Ground
Days on Market
6
High Ceilings
Open Floorplan
Thermostat
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer

Elementary

Veterans Elementary School

Middle

Cypress Creek Middle School

High

Cypress Creek High-PO

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on fileFlood Zone X*

Annual Tax (2025)

$4,250

Parcel #

19-26-14-005.0-000.00-226.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Tampa Downs Heights

County

Pasco

MLS Area

33559 - Lutz

Lot Size

10,440 sqft

Date
Event
Price
9/5/2026
Listed for sale
Source: Stellar MLS #TB8545612
$420,000+90.9%
$169/sqft
3/25/2025
Sold
Source: Pasco County Public Record
$220,000
$89/sqft
Est. monthly payment$2,755/mo
Principal & interest$2,190
Property taxes$354
Insurance$210
Down payment20% · $84,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

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List price: $420,000
$417,500 – $420,000
99.5% – 100% of listTops out right at the list price
80% of listList price
41 of the last 62 home closings in 33559 landed at this number or higher (66%). The median one sat 23 days before it went under contract, and this one is on day 6.

Sample: 62 closed home sales in 33559 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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