Atlantic Luxury Advisors
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18 photos

8421 209th St #8421

Cutler Bay, FL 33189

$397,000
3
2
1,229 sq ft
1995
Townhouse
$67/mo
0
Active

Listing courtesy of Cityside Realty Group (Javier Zambrano). Contact: [email protected].

About this home

3/2 Townhome in Desirable Saga Bay! This spacious residence in the sought-after Saga Bay Townhomes community offers the perfect blend of comfort and value. The home features impact windows and a brand-new roof. With a low monthly HOA fee, residents enjoy a well-maintained, tranquil neighborhood, plus Saga Bay Park is just a short walk away, offering tennis and pickleball courts, a playground, fitness equipment, and a paved walking path. Exceptional opportunity! The seller is offering incentives that may help reduce your upfront costs or monthly payment, making this home even more attainable. Ask for details!

What it costs to own
Estimated monthly payment
$2,873/mo
Principal and interest
$2,007
Property tax
$549
Homeowners insurance
$250
HOA
$67

An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.

Florida cost of ownership
Estimated property tax
$6,582/yr

Estimate: the price times the Miami-Dade County average total millage (18.49 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.

HOA
$67/mo (from the listing)
FEMA flood zone
Zone AE, special flood hazard area

Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.

Hurricane evacuation zone
Zone A: first to evacuate, ordered for tropical storms and every hurricane category.

Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.

Location

Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.