Atlantic Luxury Advisors
Under contract. Ask us to watch it: if it comes back on the market, you hear first.
8740 191st St photo 18740 191st St photo 28740 191st St photo 38740 191st St photo 48740 191st St photo 5

24 photos

8740 191st St

Cutler Bay, FL 33157

$650,000
3
2
1,580 sq ft
9,450 sq ft
1961
1 car
Single Family Residence
12
Active Under Contract

Listing courtesy of Coldwell Banker Realty (Monika Tefel). Contact: [email protected].

About this home

Discover the potential of this 3 bedroom, 2 bath pool home on a 9,450 SF lot in Whispering Pines, one of Cutler Bay's most established neighborhoods. The big ticket improvements are already done! 2026 updates include a new roof, central A/C, gas water heater, refinished pool, freshly painted exterior and stove gas connection, giving the next owner a great head start and the freedom to make the home their own over time. Inside, comfortable living and dining spaces connect to the outdoors through French doors opening to a covered patio. Outside is where this property really shines, with a private screened pool, fenced backyard, detached 1 car garage and additional space for a boat, RV or recreational toys. There's plenty of room to entertain, relax by the pool and enjoy the South Florida lifestyle. Located in Flood Zone X, where flood insurance is not required. The location is just as special. Only one block from Whispering Pines Elementary and minutes from neighborhood parks, the lake loop, Old Cutler Road, Black Point Marina, shopping, dining and the Florida Turnpike. Whispering Pines offers something increasingly hard to find in Miami: an old-fashioned sense of community where neighbors know each other, kids grow up together and families gather for beloved annual traditions, including Fourth of July, Halloween and Christmas parades. This is more than a house. It's the kind of place where childhood memories are made, neighbors become friends and home feels like home.

What it costs to own
Estimated monthly payment
$4,633/mo
Principal and interest
$3,287
Property tax
$938
Homeowners insurance
$408
HOA(not in the listing)
$0

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
$11,259/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
Not stated in the listing; ask us
FEMA flood zone
Zone X, minimal risk

Outside the special flood hazard area. Flood insurance is optional.

Hurricane evacuation zone
Zone B: ordered to evacuate for Category 1 hurricanes and stronger.

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.