Atlantic Luxury Advisors
Under contract. Ask us to watch it: if it comes back on the market, you hear first.
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31 photos

18740 86th Ave

Cutler Bay, FL 33157

$950,000
3
2.5
1,903 sq ft
15,438 sq ft
1962
1 car
Single Family Residence
9
Active Under Contract

Listing courtesy of BHHS EWM Realty (Drew Kern). Contact: [email protected].

About this home

Charming keys-style, 3 bdrm/ 2.5 bath home on a quiet corner in beloved Whispering Pines. Excellent floorplan w/ spacious open living area & remodeled kitchen w/ island counter seating, gas range, plus expansive dining area. Well-allocated bedrooms w/ primary suite overlooking the lush grounds. Indoor laundry. Notable upgrades incl PVC plumbing, solar panels, generator & impact windows/doors. Fantastic resort-like, fenced backyard complete w/ tropical grotto & bridge, walking paths, covered terrace, remodeled pool w/tanning shelf, hot tub, tiki hut, greenhouse. "Party shed" is the perfect spot to hang out w/ friends & enjoy the game with some AC! Parking for the boat, 1.5 car garage. Around the corner from the park, nature preserve & a quick golf cart ride to restaurants & shops.

What it costs to own
Estimated monthly payment
$6,797/mo
Principal and interest
$4,804
Property tax
$1,401
Homeowners insurance
$592
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.

Florida cost of ownership
Estimated property tax
$16,806/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
Not stated in the listing; ask us
FEMA flood zone
Zone X, minimal risk

Outside the special flood hazard area. Flood insurance is optional.

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.