, CUTLER BAY, FL, 33189
Active54 days on marketListed May 18, 2026MLS #A12021077
About this home
Welcom to your new home in Cutler Bay... With a modern design and spacious layout, this residence is excellent for families and a group and friends. Ready to move in. Easy to show with 24 hours request. Enyoy a fully equipped kitchen, generous three bedroos and two full baths. Patio perfect for outdooor entertaining. Walking distance for restaurants, shops and parks. Located minutes from Palmetto Bay and Pinecrest and zoned for top-rated schools. Perfect for accommodating a growing family or hosting guests.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,774
Sqft
2
Garage
2004
Year built
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$195 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$195/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Cutler Bay actives
$3 vs $322
Days on market
54 vs 1 typical
Where $3/sqft sits among the 225 Cutler Bay 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 Cutler Bay
Get to know Cutler Bay. See the full Cutler Bay guide →
CUTLER BAY 33189 — neighborhood snapshot
Population
24,627
Median age
41.9
Median income
$66,487
Median home value
$409,500
Avg household
2.87
Households w/ children
3,152
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cutler Bay market
$530K → $611K
Cutler Bay median sold, yr/yr
100.4%
Sale-to-list ratio (12 mo)
11 of 225
Cutler Bay actives have cut their price
Median sold price, Cutler Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the CUTLER BAY 33189 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$555,000
9018 SW 211th Ln, Cutler Bay FL 33189 · same community
3 bd · 2.5 ba · 1,774 sqft · $313/sqft · 26 DOM
Sold · Mar ’26$585,000
21055 SW 89th Pl, Cutler Bay FL 33189 · same community
3 bd · 2 ba · 1,659 sqft · $353/sqft · 36 DOM
Sold · Aug ’25$594,000
20868 SW 89th Path, Cutler Bay FL 33189 · same community
3 bd · 2 ba · 1,659 sqft · $358/sqft · 98 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $195/mo — principal and interest, estimated property taxes 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.
Are pets allowed at ?+
The listing reports pets: Restrictions Or Possible Restrictions. 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 Cutler Bay?+
At $4,800, this home is listed about 98% below the Cutler Bay median of $240,000. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Miami Southridge Senior High (high), Bel-Aire Elementary School (elementary), Cutler Bay Middle (middle), Title I Migrant Education Program (), Instructional Center System Wide (), District Instructional Center (Dic) () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the CUTLER BAY 33189 market on paper
$4,800 is 99% below the CUTLER BAY 33189 median of $600,000, and at $3/sqft it sits under the Cutler Bay average of $316.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
54 days on market against a Cutler Bay median of 1 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $5,800, now $4,800 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Optimar International Realty · Margarita Montoya. MLS #A12021077.
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 Miami Association of REALTORS®.
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