43 photos
20221 85th
Cutler Bay, FL 33189
Listing courtesy of American Paradise Prop Inc (Tyrone Lewis). Contact: [email protected].
This beautifully cared for home, where the owners proudly raised their family, is now offered at a newly reduced price, creating one of the strongest values in the area. The sellers are highly motivated, and the property has been thoughtfully upgraded throughout, featuring porcelain flooring, updated bathrooms, a gourmet open kitchen with wine chiller, and vaulted ceiling elevates the home's spacious feel. A new roof adds peace of mind, the open layout makes everyday living and entertaining effortless. With no HOA, the freedom to enjoy the property as you wish is a rare advantage. The home is ideally located close to parks and Black Point Marina, offering easy access to outdoor recreation, boating, and South Florida's natural beauty. Blending meaningful family history with modern upgrades. New Flat Tile Roof Replace in 2021- Stand alone freezer does not come with the house. The barstools stay with the house.
- Principal and interest
- $3,691
- Property tax
- $1,061
- Homeowners insurance
- $458
- 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.
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.
Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.
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.
- Base flood elevation
- 10 ft (NGVD29)
- Ground elevation
- 7.5 ft
- Distance to the coast
- 1.5 mi
- NFIP flood policies nearby
- $1,080 to $2,560 a year
Bare ground at the point (USGS 3DEP, NAVD88), not the finished floor.
Straight line to the nearest salt-water shoreline (ocean, bay or lagoon).
Middle half of 3,222 NFIP single-family policies in ZIP 33189, A zones, policies effective 2025-10-02 to 2026-10-02. What owners paid, not a quote for this home.
Sources: FEMA National Flood Hazard Layer (panel 12086C0604L, effective 2009-09-11), USGS 3DEP, Florida Division of Emergency Management, OpenStreetMap coastline, FEMA OpenFEMA NFIP policies. Checked 2026-10-02. Wind and homeowners premiums are not shown: no public source publishes them at this level, and they vary with roof age, construction and the carrier. Public map data looked up at this location, not a survey or an insurance quote. Confirm with an elevation certificate, the county and your insurer. FEMA flood map
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.