How do I schedule a tour of 20315 SW 86th Court, Cutler Bay, FL 33189?

Use the Tour button on this listing to request a showing of 20315 SW 86th Court, Cutler Bay, FL 33189. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.

Is 20315 SW 86th Court, Cutler Bay, FL 33189 still available?

20315 SW 86th Court, Cutler Bay, FL 33189 is currently listed as Active, and has been on the market 13 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.

How much is the monthly payment for 20315 SW 86th Court, Cutler Bay, FL 33189?

With 20% down ($110,000) on the $550,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 20315 SW 86th Court, Cutler Bay, FL 33189 is about $2,890/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.

How do I get pre-approved to buy 20315 SW 86th Court, Cutler Bay, FL 33189?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 20315 SW 86th Court, Cutler Bay, FL 33189. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 20315 SW 86th Court, Cutler Bay, FL 33189 have an HOA fee?

Yes: 20315 SW 86th Court, Cutler Bay, FL 33189 carries an HOA fee of about $150 monthly. HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.

What schools serve 20315 SW 86th Court, Cutler Bay, FL 33189?

20315 SW 86th Court, Cutler Bay, FL 33189 is zoned for Dr. Edward L. Whigham (elementary), Cutler Bay Middle (middle), Miami Southridge (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.

Can I negotiate the price of 20315 SW 86th Court, Cutler Bay, FL 33189?

Often, yes. The right offer on 20315 SW 86th Court, Cutler Bay, FL 33189 depends on how it's priced against comparable single family sales in Cutler Bay, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Active

13 Days on Market

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All Listings

$550,000

20315 SW 86th Court

Cutler Bay, FL 33189

SEA GRAPE TOWN HOMES

Explore the area: Cutler Bay homes for sale · Miami Dade County real estate

Price Check

How this price compares

List price: $550,000
Price per sq ft: $364
Vs. nearby sales: In line
Days on market: 13

This 3-bedroom single-family home in ZIP 33189 is listed at $550,000, or $364 per square foot. It has been on the market for 13 days. The 5 most recent single-family home sales in the closings shown below sold at a median of $362 per square foot, so the asking price is in line with what comparable homes here actually sold for.

Bedrooms

Bathrooms

1,510

Living Sq Ft

1989

Year Built

Estimated monthly payment

$2,890 /mo

Principal and interest only, based on $110,000 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $150/mo HOA are not included.

Customize this estimate

Listing Snapshot

Price: $550,000
Days on Site: 13 Days
Bedrooms: 3
Total Baths: 2
Full Baths: 2
Partial Baths: 0
Living Area: 1,510 sqft
Total Sq Ft: 1,540 sqft
Lot Size: 0.09 Acres
Year Built: 1989
Property Type: Single Family
MLS #: A12082786
Property Tax: $1,777 (2025)
HOA Fees: $150 / Monthly
Subdivision: SEA GRAPE TOWN HOMES
County: Miami Dade
Status: Active
Special Conditions: Real Estate Owned

About This Property

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!

Virtual Tour

General Features

Property Type: Single Family
Status: Active
Year Built: 1989
Number of Stories: 1
Levels: One
Garage Spaces: 0
Parking: Driveway
Direction Faces: Southwest
Lot Size (Acres): 0.09
Living Sq Ft: 1,510
Total Sq Ft: 1,540
Sewer: Public Sewer
Water Source: Public
Zoning: 0100

Interior Features

Appliances: Dishwasher / Electric Range / Refrigerator
Cooling: Electric
Heating: Central
Flooring: Ceramic Tile
Interior Features: Bedroom On Main Level

Exterior Features

Construction: Block
Roof: Shingle
Exterior Features: Outdoor Living Area / Porch
Patio & Porch: Patio / Porch / Screened
Waterfront: Yes
Waterfront Features: Lake Front
View: Lake

Community & HOA

HOA Fee: $150 / Monthly
HOA Includes: Common Areas / Maintenance Grounds / Security / Trash
Association Amenities: Gated / Maintenance
Community Features: Home Owners Association / Street Lights
55+ Community: Yes
Financing Terms: Cash / Conventional / FHA / Va Loan
MLS Area: 2600

Schools

Elementary School: Dr. Edward L. Whigham
Middle School: Cutler Bay Middle
High School: Miami Southridge

About the Community

Sea Grape Town Homes

View Community Details →

Homes for Sale: 2
Median List Price: $611,950
Median $/Sq Ft: $355
Avg Days on Market: 14

View all 2 homes for sale in Sea Grape Town Homes →

Frequently Asked Questions

How do I schedule a tour of 20315 SW 86th Court, Cutler Bay, FL 33189?: Use the Tour button on this listing to request a showing of 20315 SW 86th Court, Cutler Bay, FL 33189. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity agent will confirm your visit, often the same day.
Is 20315 SW 86th Court, Cutler Bay, FL 33189 still available?: 20315 SW 86th Court, Cutler Bay, FL 33189 is currently listed as Active, and has been on the market 13 days. Status updates directly from the MLS as homes go under contract, so ask us to confirm availability before you plan a visit.
How much is the monthly payment for 20315 SW 86th Court, Cutler Bay, FL 33189?: With 20% down ($110,000) on the $550,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 20315 SW 86th Court, Cutler Bay, FL 33189 is about $2,890/mo, before property taxes, insurance, and HOA dues. Use the payment estimate on this page to adjust the down payment and rate.
How do I get pre-approved to buy 20315 SW 86th Court, Cutler Bay, FL 33189?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 20315 SW 86th Court, Cutler Bay, FL 33189. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 20315 SW 86th Court, Cutler Bay, FL 33189 have an HOA fee?: Yes: 20315 SW 86th Court, Cutler Bay, FL 33189 carries an HOA fee of about $150 monthly. HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.
What schools serve 20315 SW 86th Court, Cutler Bay, FL 33189?: 20315 SW 86th Court, Cutler Bay, FL 33189 is zoned for Dr. Edward L. Whigham (elementary), Cutler Bay Middle (middle), Miami Southridge (high). School assignments and boundaries can change year to year, so confirm current zoning with the local school district before you buy.
Can I negotiate the price of 20315 SW 86th Court, Cutler Bay, FL 33189?: Often, yes. The right offer on 20315 SW 86th Court, Cutler Bay, FL 33189 depends on how it's priced against comparable single family sales in Cutler Bay, how long it's been listed, and how motivated the seller is. Pure Equity will run the comps and help you craft a competitive, well-supported offer.

Listing courtesy of The Lab Realty Group, LLC

Listing information is provided by BeachesMLS, Inc.and is deemed reliable but not guaranteed accurate by the MLS or Pure Equity. Information is for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. © 2026 BeachesMLS, Inc. Last updated September 11, 2026.

$550,000

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Listed by Linsayd Avila, The Lab Realty Group, LLC

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Recently sold homes in ZIP 33189

These are the last 6 recorded closings in ZIP 33189, with the price each home actually sold for rather than what it was listed at. They closed at a median of $362 per square foot. The most recent closed on September 29, 2026. Closed sales are what an appraiser and a buyer's agent will look at, so they are the starting point for pricing a home here.