4545 DEBBIE LANE, LUTZ, FL, 33559
Active44 days on marketListed Jun 10, 2026MLS #TB8517394
About this home
4545 DEBBIE LANE
Welcome to 4545 Debbie Lane in Lutz, Florida — a fully remodeled home that combines modern updates, outdoor space, and one of the most desirable locations in the Tampa Bay area. From the moment you pull in, this property stands out with its spacious lot, updated exterior, and the kind of yard space that’s becoming harder and harder to find. Whether you’ve been searching for extra room to spread out, entertain, or simply enjoy more privacy, this property delivers. Inside, the home has been completely renovated with a fresh, modern feel throughout. The layout flows naturally from room to room, creating a bright and comfortable atmosphere that feels both open and welcoming. The remodeled kitchen serves as the centerpiece of the home with updated finishes, modern appliances, and plenty of space for hosting family and friends. The bathrooms have also been beautifully updated, giving the entire home a clean, move-in-ready feel. Step outside and you’ll find one of the home’s best features — a beautiful swimming pool and backyard setup designed for Florida living. Whether it’s relaxing on the weekends, hosting BBQs, or spending evenings outside by the pool, this property offers the kind of outdoor lifestyle buyers are actively searching for. Located in highly sought-after Lutz, you get the perfect balance of privacy and convenience. You’re close to Tampa, major highways, shopping, restaurants, top-rated schools, golf courses, and everything the Tampa Bay area has to offer while still enjoying the peaceful feel that makes Lutz so desirable. Homes with this combination of updates, lot size, pool, and location rarely become available. If you’ve been waiting for a fully remodeled home with space both inside and out, 4545 Debbie Lane is one you’ll want to experience in person.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,478
Sqft
0.24 ac
Lot size
2
Garage
1980
Year built
One
Levels
$180
Per sqft
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.
$3,331 /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
$3,331/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−11.2%
$/sqft vs Lutz actives
$180 vs $244
Days on market
44 vs 35 typical
Where $180/sqft sits among the 266 Lutz actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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 33559 — neighborhood snapshot
Population
19,147
Median age
32.1
Median income
$78,264
Median home value
$343,700
Avg household
2.65
Households w/ children
2,034
For the school run
Hillsborough 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)
147 of 266
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% above the LUTZ 33559 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 4545 DEBBIE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$440,000
4555 DEBBIE LANE · same community
3 bd · 2 ba · 2,192 sqft · $201/sqft · 97 DOM
Sold · Sep ’25$390,000
4638 TAMPA DOWNS BOULEVARD · same community
3 bd · 2 ba · 1,888 sqft · $207/sqft · 2 DOM
Sold · May ’26$258,000
4617 DEBBIE LANE · same community
3 bd · 2 ba · 1,825 sqft · $141/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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 4545 DEBBIE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4545 DEBBIE LANE — 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
4545 DEBBIE LANE FAQs
What would the monthly payment be for 4545 DEBBIE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,331/mo — principal and interest, the actual property-tax bill 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 4545 DEBBIE LANE?+
The most recent tax bill on record (2025) was $4,250. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4545 DEBBIE LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lutz?+
At $445,000, this home is listed about 9% below the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 4545 DEBBIE LANE?+
Maniscalco K-8 School (elementary), Freedom High School (high), Liberty Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Strong assigned schools
Maniscalco K-8 School, Freedom High School, Liberty Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Maniscalco K-8 School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $489,999, now $445,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EZ CHOICE REALTY · Phil Schaeffer, III. MLS #TB8517394.
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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