35 photos

CENTURY STAR SUB · Cutler Bay

20221 SW 85th Ct

Cutler Bay, FL 33189

$719,900

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Bedrooms

Bathrooms

Living Area

1,782 sq ft

Lot

6,349 sq ft

Year Built

1997

Garage

2 car

Type

Single Family Residence

Days on Market

Status

Active

Listing courtesy of United Realty Group Inc (Roylan Valdivia). Contact: [email protected].

Open House

Sat, Oct 10, 12 to 2 PM

About this home

Spacious 4-bedroom, 2-bathroom home in desirable Cutler Bay with approximately 2,400 total sq. ft. and NO HOA! Featuring an updated slate tile roof, modern kitchen with stainless steel appliances and a wine cooler, and updated modern bathrooms. This home also has a two car door garage! Enjoy a spacious back patio, perfect for entertaining or relaxing outdoors. Conveniently located near Old Cutler Road, Cutler Bay Senior High and Zoo Miami.

Virtual tour

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What it costs to own

Estimated monthly payment

$5,136/mo

Principal and interest: $3,640
Property tax: $1,046
Homeowners insurance: $450
HOA(not in the listing): $0

Down payment (20%, $143,980)Interest rate (%)TermInsurance ($/yr)HOA ($/mo)

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

$12,552/yr

Primary residence (homestead)

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.

HOA

Not stated in the listing; ask us

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.

Florida risk

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

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

What it costs to own

Estimated monthly payment

$5,136/mo

Principal and interest: $3,640
Property tax: $1,046
Homeowners insurance: $450
HOA(not in the listing): $0

Down payment (20%, $143,980)Interest rate (%)TermInsurance ($/yr)HOA ($/mo)

Florida cost of ownership

Estimated property tax

$12,552/yr

Primary residence (homestead)

HOA

Not stated in the listing; ask us

FEMA flood zone

Lookup unavailable. Check the FEMA map

Hurricane evacuation zone

Lookup unavailable. Know your zone

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

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All homes in Cutler Bay

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.