DEBUEL ROAD, LUTZ, FL, 33549
Active108 days on marketListed Apr 5, 2026MLS #TB8492726
About this home
DEBUEL ROAD
Build your dream home on one of the most serene and private waterfront settings in Lutz. Located on sought-after Debuel Road, this rare vacant lot offers 165 feet of direct frontage on beautiful Lake Stemper, a true ski lake spanning approximately 115 acres, known for its recreational lifestyle and natural beauty. Surrounded by luxury estate homes, this property sits within a quiet, unplatted area with no HOA restrictions, giving you the freedom to design and build exactly what you envision. Nearby homes sit on expansive ~1-acre parcels, creating a private, estate-style atmosphere that is increasingly hard to find. The Lot is located between 310 & 320 Debuel Rd. Parcel U-13-27-18-ZZZ-000000-55410.0 & U-13-27-18-ZZZ-000000-55390.0
Facts & features
The home at a glance
0.58 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,318 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,776/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Lutz
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lutz. See the full Lutz guide →
LUTZ 33549 — neighborhood snapshot
Population
18,816
Median age
44.1
Median income
$85,066
Median home value
$339,400
Avg household
2.58
Households w/ children
2,040
For the school run
Pasco County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lutz market
$580K → $487K
Lutz median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the LUTZ 33549 median. See the full Lutz market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about DEBUEL ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for DEBUEL ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
DEBUEL ROAD FAQs
What would the monthly payment be for DEBUEL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,318/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on DEBUEL ROAD?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lutz?+
At $499,000, this home is listed about 2% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to DEBUEL ROAD?+
Oakstead Elementary School (elementary), Sunlake High School (high), Charles S. Rushe Middle School (middle) — Pasco County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$499,000 runs 12% above the LUTZ 33549 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
108 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Oakstead Elementary School, Sunlake High School, Charles S. Rushe Middle School — Oakstead Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Jermera Pianmana. MLS #TB8492726.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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