20816 Sw 103rd Pl

Cutler Bay, FL
$ 455,000 Beds 3 Baths 2 Sq 1,225 Virtual Tour
Monthly Estimate* How much can I afford?

Welcome to this charming 3-bedroom, 2-bathroom one-story town home completely renovated in 2026 in the desirable Cutler Bay area. This well-maintained home features an open and spacious living area with beautiful wood-look flooring, a modern kitchen with granite countertops, and comfortable bedrooms offering plenty of natural light. Enjoy a peaceful water/canal view and a private outdoor setting perfect for relaxing or entertaining. The home also offers a paved driveway and convenient access to shopping, dining, major roadways, and everyday essentials. A wonderful opportunity for buyers looking for comfort, convenience, and South Florida living in a desirable Cutler Bay location. Easy to show!

Active

  • Price
  • $ 455,000
  • City
  • Cutler Bay
  • Bedrooms
  • 3
  • Full Bathrooms
  • 2
  • County
  • Miami-Dade
  • Half Bathrooms
  • 0
  • Area
  • 60
  • Lot Size
  • Zip
  • 33189
  • Sqr Footage
  • 1,225
  • Year Built
  • 1981
  • Taxes
  • $ 3890
  • Style
  • MLS#
  • A12094998
Listed By: This listing is courtesy of Luxe Properties
Data Source: Southeast Florida MLS (SEFMLS)

Features

General

Sewer Public Sewer
Heating Central
Cooling Central Air
Possession Closing & Funding
Roof Shingle
Appliances Dryer,Dishwasher,Electric Range,Disposal,Microwave,Refrigerator
HOA Fee 214
Garage Spaces 2
Patio/Porch Features Open,Patio,Porch
Architectural Style One Story
Pool Features None
Restrictions No Restrictions
Construction Materials Block
Pets Allowed No,Yes
Year Built 1981
View Canal
Stories Count 1
Property Subtype Single Family Residence
Tax Year 2025
Waterfront Features Canal Front
Community Features Maintained Community
Assoc Fee Paid Per Quarterly
County Miami-Dade
Property Type Residential
Subdivision Name CUTLER CREEK CLUB SEC 1
Facing Direction East
Garage Y/N true
Full Baths 2
Status Active
City Cutler Bay
Disclosures None
Senior Community Y/N false
Zoning Description 3001
MLS Area 60
Lot Size Units Square Feet
Lot Size Square Feet 3920
Listing Terms Cash,Conventional,FHA
Elementary School Cutler Ridge
Year Built Details Resale
Tax Annual Amount 3890
Lease Considered Y/N false
Virtual Tour https://www.zillow.com/view-imx/9edbd829-c1ed-4e33-a0a2-9f51d0718350?setAttribution=mls&wl=true&initialViewType=pano
Standard Status Active
Occupancy Type Vacant
Property Sub Type Additional Single Family Residence
PostalCity Cutler Bay
Legal Description CUTLER CREEK CLUB SEC 1 PB 114-30 LOT 18 BLK 2 LOT SIZE 3920 SQ FT & PROP INT IN COMMON ELEMENTS OR 13538-1712 0188 5 F/A/U 30-6008-016-0220

Interior Features

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

Exterior Features

Exterior Amenities Fence,Fruit Trees,Porch,Patio,Room For Pool
Parking Features Driveway
Lot Features < 1/4 Acre
Water Source Public
Lot Size Area 3920
Building Area Total 1225
Waterfront Y/N true
Covered Spaces 2

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 Cutler Ridge Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

9/26/2026 Listed $455,000

Property vs Zip Code Average in 33189

Price
AVG $650K
$460K
Taxes
AVG $6,361
$3,890
Year Built
AVG 1982
1981

Areas That We Cover

20816 Sw 103rd Pl Cutler Bay, FL is a Single Family Home for sale at $455000 with 1225 sqft and a lot size of Acre(s). 20816 Sw 103rd Pl Cutler Bay has 3 bedrooms, 2 baths and was built in 1981. 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.

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Jennifer Hernandez

Jennifer Hernandez

305-384-6502

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