Atlantic Luxury AdvisorsKeller Williams Realty Services
20304 SW 85th Ave photo 120304 SW 85th Ave photo 220304 SW 85th Ave photo 320304 SW 85th Ave photo 420304 SW 85th Ave photo 5

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20304 SW 85th Ave

Cutler Bay, FL 33189

$800,000
4
2.5
2,699 sq ft
4,060 sq ft
1977
1 car
Single Family Residence
$150/mo
8
Active

Listing courtesy of Keller Williams Realty Premier Properties (Jen Reyes). Contact: [email protected].

About this home

Miami-luxe soul, Open and airy, with nearly 4 distinct sitting area for gathering, mingling and entertaining. Each space flows naturally into the next creating a graceful dance. Floor to ceiling glass framing the emerald garden from the sunroom. Soaring ceiling creates a dramatic sense of volume and light, while a striking floating staircase serves as an architectural focal point, connecting the home's beautifully appointed living area space. This thoughtfully design layout features a private primary suite on the first floor within this exceptional residence. Upstairs, 3 additional bedrooms offer comfort and a distinctive outdoor connection. Two of the bedrooms open onto an expansive deck overlooking the lush, verdant garden, creating an enchanting setting for morning coffee or evening relaxation. The 3rd bedroom enjoys its own private balcony, adding another intimate outdoor escape to this sophisticated home.

Virtual tour
What it costs to own
Estimated monthly payment
$5,864/mo
Principal and interest
$4,045
Property tax
$1,169
Homeowners insurance
$500
HOA
$150

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
$14,033/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.

The full yearly cost of owning this home: property tax levy by levy from the published millage of the parcel’s taxing district (a mailing city is not always inside its city limits), the Save Our Homes cap, HOA and the insurance quotes to get.

HOA
$150/mo (from the listing)
FEMA flood zone
Lookup unavailable. Check the FEMA map
Hurricane evacuation zone
Lookup unavailable. Know your zone

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 Services. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.