Atlantic Luxury Advisors
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18821 74th Ct

Cutler Bay, FL 33157

$1,230,000
5
4
4,717 sq ft
8,250 sq ft
2007
3 car
Single Family Residence
$508/mo
170
Active

Listing courtesy of Keller Williams Capital Realty (Malgorzata Sadowska). Contact: [email protected].

About this home

Welcome to the elegant two-story Florence model in the prestigious Cutler Cay, offering 5 bedrooms, 4 bathrooms, and 4,717SF of thoughtfully designed living space. This move-in ready home features marble floors, soaring ceilings, and a grand marble staircase with custom iron railings. The living room and foyer are elevated by statement chandeliers and custom ceiling paintings, adding a distinctive architectural touch, a rare find. Designed for both refined entertaining and comfortable daily living, the residence offers formal living and dining rooms, along with the family room and eat-in kitchen with stainless steel appliances. A full bedroom and bath on the first floor provide flexibility for guests or multigenerational living. Upstairs, the spacious primary suite serves as a private retreat with an expansive balcony, dual walk-in closets, and a generous ensuite bath. Enjoy a covered terrace and a uniquely special backyard with no rear neighbors—offering privacy and peaceful green views. Additional features include a 3-car garage, ample storage, and a generator. The community is 24/7 guard-gated with resort-style amenities including clubhouse, fitness center, sauna, steam room, heated pool, jacuzzi, tennis, pickleball, basketball courts, playground and a pavilion—spaces to gather, mingle, and enjoy a friendly neighborhood atmosphere. HOA includes alarm monitoring, cable, internet, and lawn maintenance—supporting a lifestyle centered on comfort, wellness, connection and ease.

Virtual tour
What it costs to own
Estimated monthly payment
$9,327/mo
Principal and interest
$6,220
Property tax
$1,832
Homeowners insurance
$767
HOA
$508

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
$21,983/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
$508/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.