Atlantic Luxury Advisors
Under contract. Ask us to watch it: if it comes back on the market, you hear first.
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30 photos

LAKES BY THE BAY SEC 2 · Cutler Bay

21808 99th Ave

Cutler Bay, FL 33190

$534,000
Bedrooms
3
Bathrooms
2
Living Area
1,650 sq ft
Lot
3,550 sq ft
Year Built
1985
Garage
2 car
Type
Single Family Residence
HOA
$144/mo
Days on Market
95
Status
Active Under Contract

Listing courtesy of Realty Hub (Amgad Arafa). Contact: [email protected].

About this home

Beautifully updated 3-bedroom, 2-bath, two-story single-family home in Cutler Bay's Lakes by the Bay/Saga Bay area. Features include a new roof, new floors, quartz countertops with matching backsplash, and new appliances. Bright main living areas, updated kitchen finishes, comfortable bedrooms, and an enclosed porch/patio space for extra indoor-outdoor living. Convenient South Dade location near neighborhood parks, shopping, schools, and Black Point Park & Marina.

What it costs to own
Estimated monthly payment
$3,937/mo
Principal and interest
$2,700
Property tax
$760
Homeowners insurance
$333
HOA
$144

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
$9,115/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
$144/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
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All homes in Cutler Bay

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.