18707 PEPPER PIKE, LUTZ, FL, 33558
Active87 days on marketListed Apr 25, 2026MLS #TB8501748
About this home
18707 PEPPER PIKE
A Rare Opportunity in Cheval—Featuring a Fully Detached Second Residence! Come discover one of Tampa Bay’s best-kept secrets—Cheval Golf and Country Club, a 24-hour guard-gated community offering a private, resort-style lifestyle centered around championship golf, tennis, swimming, and an active social scene, all within a beautifully designed, walkable enclave. Perfectly positioned on the 1st hole, 18707 Pepper Pike showcases one of the most breathtaking golf course views in all of Cheval. The main residence features 3 bedrooms, 3.5 baths, and a versatile loft space with a closet, offering the flexibility for a potential additional bedroom, office, or bonus living area, anchored by an exceptional primary suite—an inviting retreat with a spa-like bathroom and an oversized custom closet that truly has to be seen to be believed. What truly sets this property apart is the fully detached casita—a rare, private residence that lives like a second home, offering 2 bedrooms and 1 bath. Thoughtfully designed and ideal for multigenerational living, it also provides incredible flexibility for long- or short-term guests, a private office, or an elevated entertaining space. The upstairs bedroom opens to a private balcony overlooking the pool, creating a peaceful escape within your own backyard. Step outside and experience a 5-star resort-style outdoor living space, featuring a stunning pool, expansive entertaining areas, a bar, and a separate fire pit gathering space designed for unforgettable evenings. Tucked away from the congestion yet conveniently located just 30 minutes from Tampa International Airport, this is more than a home—it’s a lifestyle.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
6,104
Sqft
0.94 ac
Lot size
3
Garage
1986
Year built
One
Levels
$393
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 and the real association fee — not generic estimates.
$16,806 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$16,806/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−5.8%
$/sqft vs Lutz actives
$393 vs $243
Days on market
87 vs 35 typical
Where $393/sqft sits among the 261 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
Get to know Lutz. See the full Lutz guide →
LUTZ 33558 — neighborhood snapshot
Population
30,912
Median age
40.4
Median income
$107,427
Median home value
$479,300
Avg household
2.76
Households w/ children
4,377
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)
144 of 261
Lutz actives have cut their price
Median sold price, Lutz, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 541% above the LUTZ 33558 median. See the full Lutz market guide →
Paper trail
This home's history
Reality check
What actually sold near 18707 PEPPER PIKE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$2,000,000
4512 CHEVAL BOULEVARD · same community
5 bd · 5.5 ba · 5,400 sqft · $370/sqft · 65 DOM
Sold · Jun ’26$1,350,000
4122 HIGHLAND PARK CIRCLE · same community
5 bd · 4 ba · 5,096 sqft · $265/sqft · 0 DOM
Sold · Apr ’26$1,375,000
18634 AVENUE CAPRI · same community
4 bd · 3.5 ba · 4,036 sqft · $341/sqft · 10 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 18707 PEPPER PIKE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18707 PEPPER PIKE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
18707 PEPPER PIKE FAQs
What would the monthly payment be for 18707 PEPPER PIKE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,806/mo — principal and interest, the actual property-tax bill, the $316/mo association fee 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.
How much are the HOA fees at 18707 PEPPER PIKE?+
The association fee works out to $316 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 18707 PEPPER PIKE?+
The most recent tax bill on record (2025) was $29,826. 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 18707 PEPPER PIKE?+
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 $2,399,000, this home is listed about 390% above the Lutz median of $489,999. The market section on this page shows how the area is trending.
Which schools are assigned to 18707 PEPPER PIKE?+
McKitrick Elementary School (elementary), Martinez Middle School (middle), Steinbrenner High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,399,000 runs 541% above the LUTZ 33558 median — but at 6,104 sqft it's also nearly 3 times the size of the typical Lutz listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
87 days on market against a Lutz median of 35 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
McKitrick Elementary School, Martinez Middle School, Steinbrenner High School, Patricia Sullivan Metropolitan Ministries Partnership School — McKitrick Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $2,525,000, now $2,399,000 — a $126K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · Sandi McGlathery. MLS #TB8501748.
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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