20315 Sw 86th Ct

Cutler Bay, FL
$ 550,000 Beds 3 Baths 2 Sq 1,510 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to a rare lakefront opportunity in the heart of Cutler Bay! Nestled on a quiet cul-de-sac within a very private gated community, this 3-bedroom, 2-bathroom home offers beautiful lake views, a spacious backyard, and endless potential to create a home that truly reflects your style. Enjoy peaceful mornings overlooking the water, entertain family and friends on the private terrace, or transform the outdoor space into your own personal waterfront oasis. The community is enhanced by expansive open common areas and beautifully maintained green spaces, creating a peaceful, spacious setting with plenty of room to enjoy the outdoors. With a desirable location near schools, parks, Publix, shopping, dining, and major roadways, this property offers the perfect combination of privacy, convenience, and lakeside living. Whether you’re looking for your next home or an opportunity to add value through personalized updates, this property is ready for your vision. Bring your ideas and make this Cutler Bay lakefront gem your own!

Active

  • Price
  • $ 550,000
  • City
  • Cutler Bay
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • Miami-Dade
  • Half Bathrooms
  • 0
  • Area
  • 60
  • Lot Size
  • Zip
  • 33189
  • Sqr Footage
  • 1,510
  • Year Built
  • 1989
  • Taxes
  • $ 1777
  • Style
  • MLS#
  • A12082786
Listed By: This listing is courtesy of The Lab Realty Group, LLC
Data Source: Southeast Florida MLS (SEFMLS)

Features

General

Sewer Public Sewer
Heating Central
Cooling Electric
Possession Closing & Funding
Roof Shingle
Appliances Dishwasher,Electric Range,Other,Refrigerator
HOA Fee 150
Association Fee Includes Common Area Maintenance,Maintenance Grounds,Security,Trash
Patio/Porch Features Patio,Porch,Screened
Architectural Style Detached,One Story
Pool Features None
Security Features Gated Community
Restrictions Association Approval Required
Construction Materials Block
Year Built 1989
View Lake
Stories Count 1
Property Subtype Single Family Residence
Tax Year 2025
Waterfront Features Lake Front
Community Features Gated,Maintained Community,Street Lights
Assoc Fee Paid Per Monthly
County Miami-Dade
Property Type Residential
Subdivision Name SEA GRAPE TOWN HOMES
Facing Direction Southwest
Garage Y/N false
Full Baths 2
Special Listing Conditions Real Estate Owned
Status Active
Directions Please use GPS
City Cutler Bay
Disclosures None
Senior Community Y/N true
Zoning Description 0100
MLS Area 60
Lot Size Units Square Feet
Lot Size Square Feet 4060
Carport Y/N false
Listing Terms Cash,Conventional,FHA,VA Loan
Year Built Details Effective Year Built
Tax Annual Amount 1777
Lease Considered Y/N false
Virtual Tour https://www.propertypanorama.com/instaview/mia/A12082786
Standard Status Active
Occupancy Type Owner
Property Sub Type Additional Single Family Residence
PostalCity Cutler Bay
Legal Description SEA GRAPE TOWN HOMES PB 106-80 LOT 14 & PROP INT IN & TO COMMON ELEMENTS LOT SIZE 4060 SQ FT OR 16174-3294 1293 1 OR 20387-3768 05 2002 1 F/

Interior Features

Interior Amenities Bedroom on Main Level,First Floor Entry
Flooring Ceramic Tile
Air Conditioning Y/N true
Heating Y/N true
Total Bedrooms 3
Total Baths 2

Exterior Features

Exterior Amenities Enclosed Porch,Patio
Parking Features Driveway
Lot Features < 1/4 Acre
Water Source Public
Lot Size Area 4060
Building Area Total 1540
Waterfront Y/N false

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Miami Beach, FL office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

9/10/2026 Listed $550,000

Property vs Zip Code Average in 33189

Price
AVG $650K
$550K
Taxes
AVG $6,361
$1,777
Year Built
AVG 1982
1989

In The Neighborhood

Areas That We Cover

20315 Sw 86th Ct Cutler Bay, FL is a Single Family Home for sale at $550000 with 1510 sqft and a lot size of Acre(s). 20315 Sw 86th Ct Cutler Bay has 3 bedrooms, 2 baths and was built in 1989. The property's zip code is 33189 which is in Cutler Bay, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Your Agent
Andres Zapata

Andres Zapata

305-384-6502

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