If you live in Lutz, depending on who you ask, you may or may not live in Lutz.
The attached photo shows Lutz as a geographical population place/census designated place in Hillsborough County.
The boundaries are:
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I-275/75 to the east. County Line Road on the north from I-75 west to Sunlake Blvd. South on Sunlake Blvd. to Lutz Lake Fern to Dale Mabry, continuing south to Berger Road to Crenshaw Lake Dr. to US 41. South on US 41, west at the Apex (Florida Avenue side) to Hayes Road. East on Hayes to US 41 (Nebraska Avenue) south to Sinclair Hills Road. East on Sinclair Hills to Livingston. North on Livingston to I-275.
On this basis, Cheval is not in Lutz. Anyone living on east side of Livingston before I-275 is not in Lutz. St. Joseph's Hospital North is not in Lutz.
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However the ZIP codes for Lutz are a different matter. There are 4 ZIP codes associated with Lutz: 33548,33549, 33558, and 33559.
Part of Pasco County is thus Lutz. Turtle Lake Subdivision, Carpenters Run and any homes along south and east sides of 54 almost up to the SR 54 / I-75 exit all are included in Lutz. This area is sometimes called Pasco Lutz.