Cheval Lutz FL at a Glance
Last updated: October 2026
Here are the core facts in one place. Every figure comes from an official or named source, and each one keeps its own date.
| Fact | What we found | Source |
|---|---|---|
| Location | Unincorporated Hillsborough County, Lutz 33558 | - |
| Gate | Described as "two distinct gated communities" | chevalcdd.com |
| Cheval West size | 773 homes on about 1,149 acres | chevalcdd.com |
| Cheval West CDD, FY2026-27 | Villages $2,159.88; Chambord $1,708.29 (O&M only, bonds paid) | Cheval West CDD budgets |
| Property tax rate, 2025 | 18.2515 mills (Hillsborough unincorporated) | Hillsborough County Property Appraiser |
| Flood insurance, ZIP 33558 | 775 NFIP policies; 27% in the Special Flood Hazard Area | OpenFEMA |
Cheval is part of the wider Lutz area. For a bigger picture of the market, see our Lutz homes for sale guide.
Is Cheval a Gated Community?
Yes. The Cheval CDD website calls it "two distinct gated communities."
What to Know About Cheval Homes for Sale in Lutz
Pricing in Cheval is easier to read once you know which data source you are looking at. Each source measures something different, so we keep them apart.
Cheval East home values
Cheval East is tracked as its own neighborhood in a typical home value index. That index put Cheval East at $951,287 in August 2026, down 2.6%. This is a modeled estimate of typical home value. It is not a sale price or a list price.
ZIP 33558 market numbers
Cheval shares the 33558 ZIP code with other Lutz neighborhoods. These figures cover the whole ZIP, not just Cheval, so read them as background.
| Measure (ZIP 33558) | Figure | Change | Source and period |
|---|---|---|---|
| Typical home value (modeled) | $548,120 | -1.4% | Typical home value index, August 2026 |
| Median sale price (3-month), all home types | $561,335 | -3.4% | Closed-sale market data, 3 months to September 2026 |
| Median days on market | 49 | - | Closed-sale market data, 3 months to September 2026 |
| Homes sold in September | 104 | +13.1% | Closed-sale market data, September 2026 |
The home value index is a model. The sale price, days on market and homes sold figures come from recent closed sales. They are not meant to be compared head to head. A home in Cheval East can sit well above the ZIP figures, which is why the neighborhood index is the better guide here.
Closed sales for Cheval itself are not in our verified data yet. When you find a home you like, we will pull recent nearby sales for that specific street before you make an offer.
Cheval West CDD Fees for FY2026-27
Most newer districts in our CDD research carry bond debt into the 2040s and 2050s. Cheval West is different. According to the district's budget documents, its bonds are fully paid, so the bill covers operations and maintenance only.
The FY2026-27 rates were finalized in July 2026, and they will appear on the November 2026 Hillsborough tax bill. Here is how Cheval West compares with two other debt-free or mostly debt-free districts in our CDD research.
| District (county) | FY2026-27 annual per-unit | Debt status |
|---|---|---|
| Cheval West (Hillsborough) | Villages $2,159.88; Chambord $1,708.29 | Bonds fully paid, O&M only |
| Cory Lakes (Tampa) | $3,402.20 gross O&M | Mostly paid; Ph.7 lots add $942 gross |
| Meadow Pointe I (Pasco) | $906.72 flat for all homes | No debt |
Sources: Cheval West CDD FY2027 budgets (chevalcdd.com), Cory Lakes CDD FY2027 budget, Meadow Pointe I CDD FY2027 adopted budget. The tax bill for each address controls.
What does "debt-free" mean for you? There is no bond payoff date to wait for, and no debt line that drops off later. The bill is all O&M, so it moves with the district's yearly budget. It can go up or down from year to year.
Two tips. First, ask which rate applies to the home you want, Villages or Chambord. Second, our CDD figures cover Cheval West only. If you are looking at a home in Cheval East, check its tax bill for any district assessment.
What about HOA dues?
Cheval HOA dues are not in our verified data. You will often see a dues figure in a listing's HOA field. Treat that as a listing-field number, not a confirmed one. The reliable sources are the association's resale certificate or an estoppel letter, which we request during due diligence.
Property Taxes in Cheval
Cheval is in unincorporated Hillsborough County. According to the Hillsborough County Property Appraiser, the 2025 unincorporated rate is 18.2515 mills.
Your real bill depends on the home's taxable value and any exemptions you qualify for. The CDD assessment sits on the same bill. So the simplest way to budget is to ask for the parcel's most recent tax bill and read every line.
We can walk you through what to expect for a specific home.
Flood Insurance Facts for ZIP 33558
Flood insurance is worth checking early. According to OpenFEMA, ZIP 33558 has 775 National Flood Insurance Program policies, and 27% of them are in the Special Flood Hazard Area.
That tells you flood insurance is common in this ZIP. It does not tell you anything about one home. Check the flood zone for the exact address, ask the seller about past claims, and get an insurance quote early so it fits your budget.
Schools Near Cheval: How to Check
School zoning in Hillsborough depends on the exact address, so confirm it with the Hillsborough County Public Schools locator before you buy. Here are a few Hillsborough schools from the official FLDOE 2025-26 school grades file.
| School | Type | 2025-26 grade | % of points |
|---|---|---|---|
| Lutz K-8 School | Public K-8 | A | 72 |
| Steinbrenner High School | Public high | A | 74 |
| Lutz Preparatory School | Charter | A | 82 |
Source: Florida Department of Education, 2025-26 School Grades as of September 2026.
Hillsborough County earned a district A in 2025-26, with 65% of points. Lutz K-8 earned an A in 2025-26, and Steinbrenner High School earned an A with the highest share of points among the area high schools in the file. Charter schools such as Lutz Preparatory require an application. Grades can change year to year, so check the latest file.
Tips for Touring the Cheval Gated Community
- Book ahead. Gated entry means we arrange access before you arrive.
- Ask which CDD rate applies. Villages and Chambord have different FY2026-27 rates.
- Get the tax bill. It shows the millage-based tax and the CDD line together.
- Confirm HOA dues in writing. Use the resale certificate or estoppel letter, not just the listing field.
- Check the flood zone by address. ZIP data is a starting point, not an answer.
- Confirm school zoning. Use the district locator for the exact address.
Frequently Asked Questions
Is Cheval a gated community?
Yes. The Cheval CDD website describes Cheval as two distinct gated communities. We have not confirmed a 24/7 guard, so ask about gate staffing and visitor rules before you tour. Cheval sits in unincorporated Hillsborough County with a Lutz 33558 address.
What are the CDD fees in Cheval West?
For FY2026-27, the Cheval West CDD rate is $2,159.88 a year for Villages and $1,708.29 for Chambord. The district's bonds are fully paid, so this is operations and maintenance only. It appears on the November 2026 Hillsborough tax bill, and the parcel's own tax bill controls.
Does Cheval have HOA fees?
Cheval HOA dues are not in our verified data yet. A listing's HOA field may show a figure, but treat it as a listing-field number until you confirm it. The association's resale certificate or an estoppel letter is the reliable source, and we request it during due diligence.
What is the property tax rate in Cheval?
Cheval is in unincorporated Hillsborough County. According to the Hillsborough County Property Appraiser, the 2025 unincorporated rate is 18.2515 mills. Your bill depends on the home's taxable value and exemptions, and the CDD assessment is added on the same bill, so ask for the parcel's latest tax bill.
What are home values like in Cheval East?
A typical home value index put Cheval East at $951,287 for August 2026, down 2.6%. That is a modeled value, not a sale price. For the wider 33558 ZIP, closed-sale market data showed a median sale price of $561,335 for all home types in the three months to September 2026.
Which schools serve Cheval?
Zoning depends on the exact address, so confirm it with the Hillsborough County Public Schools locator. For context, Lutz K-8 earned an A in 2025-26, and Steinbrenner High School earned an A with 74% of points. Charter schools such as Lutz Preparatory require an application.
Sources: chevalcdd.com (community and CDD budget pages), typical home value index (neighborhood and ZIP, August 2026), closed-sale market data (ZIP 33558, 3 months to September 2026), OpenFEMA NFIP policy data, Hillsborough County Property Appraiser, Florida Department of Education 2025-26 School Grades.
Want a hand comparing homes here? Call or text Hometrino at (305) 331-0889. We can pull the tax bill, CDD rate and recent nearby sales for any Cheval home you like, and you can see more of the area in our Lutz community guide.
