The 100% Commission Real Estate Brokerage in Cheval.

The Cheval market right now (mid-2026)

Cheval is a gated, master-planned golf community in northwest Hillsborough County near Lutz and Citrus Park, inside ZIP 33558. The dependable read on its market comes from county single-family data: as of June 2026 the Hillsborough single-family median was $445,155, up 1.2% year over year, with homes going to contract in a median 31 days and supply at 3.7 months — still inside seller's-market territory (Florida Realtors/Stellar MLS via Greater Tampa REALTORS, June 2026). Sellers received a median 97.2% of original list price, and county single-family closed sales were down roughly 1% year over year that month (Greater Tampa REALTORS, June 2026).

Cheval itself trades well above that anchor. Redfin put the Cheval city median near $599,000 in April 2026, a double-digit year-over-year gain, while ZIP-level 33558 data ran closer to $550,000 in early 2026 (Redfin, April 2026; Redfin, February 2026) — the spread you'd expect from a small, high-value CDP where a handful of golf-course and estate closings swing the monthly median. For agents, the takeaway is simple: quote the county number as the market anchor, but underwrite Cheval deals to a higher price point, longer marketing cycles on the largest homes, and a buyer pool that expects guard-gated privacy and country-club access.

Gated golf, country club, and top-rated schools

Cheval's value case is built on three things buyers pay a premium for. First, the golf: the community wraps the Cheval Golf & Country Club and sits beside TPC Tampa Bay, a PGA-affiliated championship course — a genuine draw for move-up and relocation buyers who want a club lifestyle behind a guarded gate. Second, privacy: Cheval is guard-gated with 24-hour manned entries, and that controlled access is a core reason its homes clear above the county median even in slower months (Florida Realtors/Stellar MLS via Greater Tampa REALTORS, June 2026).

Third, schools. Cheval feeds into some of Hillsborough County's most sought-after public schools — Steinbrenner High School and McKitrick Elementary among them — and school ratings are one of the strongest predictors of demand at this price point. Families relocating for the schools and the club drive steady move-up activity, and with county supply at 3.7 months and homes still receiving a median 97.2% of list (Greater Tampa REALTORS, June 2026), well-presented Cheval listings in the right school boundary continue to move without heavy discounting. An agent who can speak fluently to the club membership tiers, the gate/HOA rules, and the exact school boundaries is the one who wins these listings.

Commute, HOA/CDD, insurance, and low inventory

Location is a big part of the Cheval premium. The community sits minutes from the Suncoast Parkway, giving a fast toll-road run south to Tampa International Airport and the Westshore business district, with Dale Mabry Highway and Van Dyke Road handling day-to-day access to Citrus Park, Carrollwood, and Lutz. That commute profile keeps Cheval firmly in play for airport-adjacent professionals and executives — a buyer segment that reads the county's 1.2% year-over-year price move and 31-day median time to contract as a stable, not frothy, market (Florida Realtors/Stellar MLS via Greater Tampa REALTORS, June 2026).

Two cost variables define deals here. First, carrying costs: buyers weigh HOA dues, CDD assessments (community development district bonds are common in Tampa's master-planned areas), and optional club membership on top of the mortgage, so an agent who can lay those out cleanly protects the deal at the closing table. Second, insurance: Florida's property-insurance market keeps premiums and inspection requirements front of mind even for inland, non-coastal Cheval, and it factors into affordability at the $599,000 city price point (Redfin, April 2026). Inventory stays the constraint — at 3.7 months of county supply and with sellers still capturing 97.2% of original list (Greater Tampa REALTORS, June 2026), move-up buyers inside 33558 often compete for a thin set of listings, which rewards agents who can source pocket and coming-soon inventory.

What the $499 flat fee means for a Cheval agent

Cheval agents belong to Greater Tampa REALTORS (GTR) and list through Stellar MLS, one of the largest MLSs in the country — so one membership lets a Cheval agent work Lutz, Citrus Park, Carrollwood, Westchase, and across Tampa Bay on the same license and the same MLS. What differs between brokerages is what each closing costs you.

Run the math at Cheval's price point. A city median near $599,000 (Redfin, April 2026) grosses about $17,970 on a 3% side. A 25% split brokerage keeps roughly $4,493 of that; a 20% split, about $3,594 — before monthly fees. At Gromadzki, that same closing costs a flat $499, so roughly $3,100–$4,000 more stays with the agent on a single Cheval sale. Scale it: an agent closing eight sides a year at that price grosses about $143,760 at 3%, of which a 25% split takes near $35,940 — versus $3,992 in flat fees at Gromadzki, a difference of roughly $32,000 a year. Even anchored to the more conservative county median of $445,155 (Florida Realtors/Stellar MLS via Greater Tampa REALTORS, June 2026), the gap runs tens of thousands annually. At a high price point, the percentage split is the single largest, most avoidable cost an agent carries.