22121 87th
Cutler Bay, FL 33190
Listing courtesy of Sainaam Realty & Investment (Ravi P Mohanka). Contact: [email protected].
Beautifully situated in the prestigious gated Enclave at Isles at Bayshore! This two-story residence in Lakes by the Bay Kaye offers 2,476 square feet of living space with four bedrooms and three bathrooms. Set on waterfront property, the home combines comfortable scale with thoughtful layout. The two-car garage provides practical storage and covered parking. Located in Cutler Bay, this single-family home presents an opportunity to own a waterfront property with ample room for your lifestyle and needs. Community amenities including resort style pool and modern gym. The community includes a Lakefront clubhouse and more! Conveniently located with easy access to major roads, shopping, dining, local schools, and parks. Schedule your appointment today! convenient first-floor bedroom and full bathroom, perfect for guests or multi-generational living.
- Principal and interest
- $3,033
- Property tax
- $861
- Homeowners insurance
- $375
- HOA
- $108
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
- 7.9 ft
- Distance to the coast
- 1.6 mi
- NFIP flood policies nearby
- $1,280 to $2,390 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 2,513 NFIP single-family policies in ZIP 33190, 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 12086C0612L, 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.