4545 Debbie Ln Lutz, FL 33559
Wesley Chapel AreaEstimated payment $2,683/month
Highlights
- Hot Property
- In Ground Pool
- Open Floorplan
- Cypress Creek Middle Rated A-
- View of Trees or Woods
- High Ceiling
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!
Listing Agent
FUTURE HOME REALTY INC Brokerage Phone: 813-855-4982 License #3363266 Listed on: 09/05/2026
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,250
Year Built
- Built in 1980
Lot Details
- 10,440 Sq Ft Lot
- Northeast Facing Home
- Vinyl Fence
- Property is zoned R3
Parking
- 2 Car Attached Garage
Home Design
- Slab Foundation
- Shake Roof
- Block Exterior
Interior Spaces
- 2,478 Sq Ft Home
- 1-Story Property
- Open Floorplan
- High Ceiling
- Wood Burning Fireplace
- Living Room
- Dining Room
- Vinyl Flooring
- Views of Woods
- Laundry Room
Kitchen
- Microwave
- Dishwasher
Bedrooms and Bathrooms
- 4 Bedrooms
Pool
- In Ground Pool
Schools
- Veterans Elementary School
- Cypress Creek Middle School
- Cypress Creek High School
Utilities
- Central Air
- Heat Pump System
- Thermostat
- Electric Water Heater
- Cable TV Available
Community Details
- No Home Owners Association
- Tampa Downs Heights Subdivision
Listing and Financial Details
- Visit Down Payment Resource Website
- Tax Lot 226
- Assessor Parcel Number 19-26-14-005.0-000.00-226.0
Map
Home Values in the Area
Average Home Value in this Area
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2026 | $4,250 | $373,919 | $59,927 | $313,992 |
| 2025 | $4,149 | $373,919 | $59,927 | $313,992 |
| 2024 | $4,149 | $266,830 | ||
| 2023 | $3,999 | $259,060 | $0 | $0 |
| 2022 | $3,603 | $251,520 | $0 | $0 |
| 2021 | $3,537 | $244,197 | $32,454 | $211,743 |
| 2020 | $3,501 | $201,614 | $21,476 | $180,138 |
| 2019 | $3,490 | $199,229 | $21,476 | $177,753 |
| 2018 | $1,353 | $110,155 | $0 | $0 |
| 2017 | $1,341 | $110,155 | $0 | $0 |
| 2016 | $1,286 | $105,670 | $0 | $0 |
| 2015 | $1,296 | $104,935 | $0 | $0 |
| 2014 | $1,263 | $113,348 | $18,341 | $95,007 |
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/05/2026 09/05/26 | For Sale | $420,000 | +69.4% | $169 / Sq Ft | |
| 03/12/2020 03/12/20 | Sold | $248,000 | -0.8% | $100 / Sq Ft | View Prior Sale |
| 02/08/2020 02/08/20 | Pending | -- | -- | -- | |
| 01/28/2020 01/28/20 | Price Changed | $249,900 | -10.7% | $101 / Sq Ft | |
| 11/07/2019 11/07/19 | Price Changed | $279,900 | -6.7% | $113 / Sq Ft | |
| 09/23/2019 09/23/19 | For Sale | $300,000 | -- | $121 / Sq Ft |
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $220,000 | Peer Title | |
| Warranty Deed | $248,000 | Majesty Ttl Svcs A Div Of La | |
| Interfamily Deed Transfer | -- | Attorney | |
| Interfamily Deed Transfer | -- | None Available | |
| Deed | $100 | -- |
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Closed | $324,000 | Construction | |
| Previous Owner | $248,000 | New Conventional | |
| Previous Owner | $57,000 | Credit Line Revolving | |
| Previous Owner | $28,000 | Credit Line Revolving |
Source: Stellar MLS
MLS Number: TB8545612
APN: 14-26-19-0050-00000-2260
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Ask me questions while you tour the home.