25 photos
20605 SW 82nd Ct
Cutler Bay, FL 33189
Listing courtesy of The Keyes Company. Contact: [email protected].
Beautifully renovated 3-bedroom, 2-bath residence on an 8,400-square-foot lot in sought-after Saga Bay, just minutes from Black Point Marina. Designed for the South Florida lifestyle, this move-in-ready home combines modern finishes, thoughtful updates, and exceptional indoor-outdoor living. The open-concept layout features spacious living and dining areas overlooking the covered patio and backyard, creating an inviting setting for everyday living and entertaining. The kitchen is equipped with a gas cooktop, pot filler, wall oven, coffee bar, oversized island, and quartz countertops. Additional highlights include porcelain tile flooring throughout, impact windows and doors, impact garage door, recessed lighting, EV charger, high-efficiency air conditioning system, and a 2018 roof. Both bathrooms have been updated with contemporary finishes, while the primary bath features heated floors. The covered patio, outdoor kitchen, fenced backyard, gated access, and space for boat or RV storage enhance year-round enjoyment near parks, schools, shopping, dining, and waterfront recreation. SELLER OFFERS A $10,000 CONTRIBUTION towards buyer closing costs, prepaid expenses, or an interest rate buy-down, plus an ASSUMABLE MORTGAGE at 6.125% subject to lender approval! (PennyMac). This spectacular home will not last!
- Principal and interest
- $3,613
- Property tax
- $1,038
- Homeowners insurance
- $450
- HOA
- $60
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.
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.
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.
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.