Cheval FL Health Insurance Agency

Cheval is a census-designated place in Hillsborough County, Florida, United States. The population was 10,702 at the 2010 census, up from 7,602 at the 2000 census.

Neighborhoods: Cheval East, Heritage Harbor, Lake Fern Villas, Calusa

Population: 13,694 (2023)

Area: 6.795 mi²

Area code: 813

Elevation: 59 ft (18 m)

---

The Vision of an Equestrian Paradise 🐎

The story of Cheval begins in the early 1980s, a period of explosive suburban growth in this part of the county. While communities like Carrollwood had pioneered the upscale suburb, the developers of Cheval aimed for something even more ambitious and exclusive. They acquired a massive tract of rural land in the Lutz/Odessa area—a region already known for its lakes and equestrian lifestyle—and set out to create a true resort-style community.

The naming of the community was a deliberate and brilliant act of branding. “Cheval” is the French word for “horse.” This wasn’t a casual choice; it was a mission statement. The name immediately positioned the development as a sophisticated, European-inspired equestrian paradise.

The core vision was to create a community that masterfully blended two distinct luxury pastimes: championship golf and elite equestrianism. While many Florida communities had golf courses, very few integrated a top-tier equestrian center into their master plan. This dual focus allowed Cheval to attract a unique and affluent clientele, setting it apart from all other developments at the time.

---

An Exclusive Enclave gated_community

Today, Cheval remains a sprawling, private world unto itself. Access is strictly controlled through 24/7 staffed gates, primarily the grand main entrance on North Dale Mabry Highway and a resident-only gate on Lutz Lake Fern Road. Inside, you’ll find meticulously manicured landscapes, winding roads, and a collection of distinct “villages,” each with its own architectural style, from lavish single-family estates to elegant villas.

The lifestyle is anchored by its two founding pillars. The first is the Cheval Golf and Athletic Club, which features a stunning championship golf course that has hosted numerous prestigious events, alongside a premier tennis facility, fitness center, and clubhouse. The second is the Cheval Equestrian Center, a first-class facility that offers boarding, training, and hosts horse shows. These two institutions are not just amenities; they are the very soul of the community. While many residents may not ride horses or play golf, the presence of these facilities defines the exclusive, resort-like atmosphere of the entire enclave.

Like most of the surrounding area, Cheval is an unincorporated community governed by Hillsborough County, with its internal affairs managed by a powerful homeowners’ association that maintains its high standards.

---

Cheval by the Numbers 📊

The demographic data for the Cheval Census-Designated Place (CDP) clearly reflects its status as one of the region’s most affluent communities.

• Official Designation: Census-Designated Place (CDP)
• County: Hillsborough
• Established: Development began in the early 1980s.
• Named For: The French word for horse, “Cheval.”
• Population: Approximately 13,000 residents.
• Area: About 6.4 square miles.
• Median Age: Roughly 50 years old, reflecting a mature, established, and wealthy demographic.
• Racial & Ethnic Composition:
  • White (non-Hispanic): ~71%
  • Hispanic or Latino: ~13%
  • Asian: ~9%
  • Black or African American: ~4%
• Median Household Income: Approximately $155,000, ranking it among the wealthiest communities in Florida.

---

Landmarks and Lifestyle Destinations 🍷

Life in and around Cheval is defined by high-end amenities and services.

• Cheval Golf and Athletic Club: The social and recreational centerpiece of the community, offering a championship 18-hole golf course, a premier tennis center, a fitness studio, and dining.
• The Cheval Equestrian Center: The community’s namesake attraction, this top-tier facility provides boarding, lessons, and training for horse enthusiasts.
• TPC Tampa Bay: Located directly adjacent to Cheval, this award-winning public course hosts the PGA TOUR Champions event and further solidifies the area’s reputation as a premier golf destination.
• St. Joseph’s Hospital-North: A state-of-the-art hospital located just minutes from the Cheval gates, providing top-quality medical care and reflecting the high level of infrastructure supporting the community.
• Keystone Korner: A beloved, old-school deli just outside the community that has been serving residents for years. It’s an authentic local spot and a favorite for a casual lunch.
• Crumbl Cookies – North Dale Mabry: Representing the modern, trendy side of the local commercial scene, this wildly popular gourmet cookie shop is a favorite treat for families in the affluent surrounding area.