How do I schedule a tour of 20816 SW 85th Place, Cutler Bay, FL 33189?

Use the Tour button on this listing to request a showing of 20816 SW 85th Place, Cutler Bay, FL 33189. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity Realty agent will confirm your visit, often the same day.

Is 20816 SW 85th Place, Cutler Bay, FL 33189 still available?

20816 SW 85th Place, Cutler Bay, FL 33189 is currently listed as Sold, and has been on the market 110 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 20816 SW 85th Place, Cutler Bay, FL 33189?

With 20% down ($139,800) on the $699,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 20816 SW 85th Place, Cutler Bay, FL 33189 is about $3,674/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 20816 SW 85th Place, Cutler Bay, FL 33189?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 20816 SW 85th Place, Cutler Bay, FL 33189. Contact Pure Equity Realty and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 20816 SW 85th Place, Cutler Bay, FL 33189 have an HOA fee?

Yes: 20816 SW 85th Place, Cutler Bay, FL 33189 carries an HOA fee of about $112 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 20816 SW 85th Place, Cutler Bay, FL 33189?

20816 SW 85th Place, 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 20816 SW 85th Place, Cutler Bay, FL 33189?

Often, yes. The right offer on 20816 SW 85th Place, 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 Realty will run the comps and help you craft a competitive, well-supported offer.

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Sold

110 Days on Market

All Listings

$699,000

20816 SW 85th Place

Cutler Bay, FL 33189

CENTENNIAL SEC 2

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

Bedrooms

Bathrooms

2,020

Living Sq Ft

1989

Year Built

Estimated monthly payment

$3,674 /mo

Principal and interest only, based on $139,800 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $112/mo HOA are not included.

Customize this estimate

Listing Snapshot

Price: $699,000
Days on Site: 110 Days
Bedrooms: 4
Total Baths: 3
Full Baths: 3
Partial Baths: 0
Living Area: 2,020 sqft
Total Sq Ft: 2,540 sqft
Lot Size: 0.31 Acres
Year Built: 1989
Property Type: Single Family
MLS #: A11907660
Property Tax: $3,652 (2025)
HOA Fees: $112 / Monthly
Subdivision: CENTENNIAL SEC 2
Development: Chantarelle
County: Miami Dade
Status: Sold
Special Conditions: Listed As Is

About This Property

PRICE IMPROVEMENT !! Wake up to peaceful lake views in this spacious 4BR/3BA two-story single family home in the charming Cutler Bay community of Chanterelle by the Bay, just off historic Old Cutler Road. Sitting on an oversized 13,000+ sq ft lot, this lakefront property offers a true Florida lifestyle — swim, kayak, paddle board, or even add your own private sandy beach in the backyard.A grand double-height foyer welcomes you into an expansive living area filled with natural light, complemented by marble and wood floors throughout. The oversized living room flows into a formal dining space perfect for large celebrations. The kitchen overlooks the lake, creating a serene backdrop for everyday living.The oversized primary suite features a spacious ensuite with separate tub, shower, and generously sized walk-in closet. A full bedroom and bathroom downstairs offer flexibility for guests or extended family. Additional features include a dedicated laundry room, accordian shutters and 2-car garage for added convenience.Just a short golf cart or bike path ride to Black Point Marina, waterfront dining, and oceanside walking trails, this home offers rare space, lifestyle, and potential in one of the area’s most sought-after communities.

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General Features

Property Type: Single Family
Status: Sold
Year Built: 1989
Property Condition: Resale
Number of Stories: 2
Levels: Two
Garage Spaces: 2
Attached Garage: Yes
Parking: Attached / Driveway / Garage / Garage Door Opener / Guest
Direction Faces: East
Lot Size (Acres): 0.31
Living Sq Ft: 2,020
Total Sq Ft: 2,540
Sewer: Public Sewer
Water Source: Public
Zoning: 0100

Interior Features

Appliances: Dryer / Dishwasher / Electric Range / Disposal / Microwave / Oven / Refrigerator / Washer
Cooling: Central Air / Ceiling Fans / Electric
Heating: Central / Electric
Flooring: Tile
Interior Features: Breakfast Bar / Built In Features / Bathtub / Closet Cabinetry / Dining Area / Separate Formal Dining Room / Entrance Foyer / Eat In Kitchen / Jetted Tub / Main Level Primary / Pantry / Soaking Tub / Separate Shower / Upper Level Primary / Walk In Closets
Total Rooms: 3

Exterior Features

Construction: Block
Roof: Barrel
Exterior Features: Room For Pool
Waterfront: Yes
Waterfront Features: Lake Front / Lake Privileges / Other
Frontage: Waterfront
Frontage Length: 500.00 ft
View: Lake / Water

Community & HOA

HOA Fee: $112 / Monthly
HOA Includes: Common Areas
Association Amenities: Gated / Other
Community Features: Home Owners Association
Security: Smoke Detectors
Utilities: Cable Available
Pets Allowed: Pet Restrictions / Yes
Financing Terms: Cash / Conventional / FHA / Va Loan
Restrictions: Limited Number Vehicles / No Truck / No Trailer Parking
MLS Area: 2600

Schools

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

About the Area

Cutler Bay

View Cutler Bay Real Estate →

Browse Cutler Bay homes for sale across every neighborhood and price point in Miami-Dade. Available homes span single-family, townhome, and condo segments throughout the city. Cutler Bay includes gated golf communities, 55+ active adult neighborhoods, waterfront estates, and newer master-planned subdivisions. HOA fees vary by community type, from modest maintenance fees in non-gated subdivisions to higher dues in full-amenity country clubs. The city sits within Miami-Dade, offering access to South Florida beaches, major employment centers, and healthcare hubs. For current Miami-Dade market data, see Florida Realtors' monthly statistics. Browse the latest Cutler Bay listings below. Then connect with a Pure Equity Realty agent to schedule a private showing.

Homes for Sale: 321
Under Contract: 66
Median List Price: $609,500
Median Sale Price (August): $550,000
Median $/Sq Ft: $323
Avg Days on Market: 92

View all 321 homes for sale in Cutler Bay →

Frequently Asked Questions

How do I schedule a tour of 20816 SW 85th Place, Cutler Bay, FL 33189?: Use the Tour button on this listing to request a showing of 20816 SW 85th Place, Cutler Bay, FL 33189. Pick a day and time and choose an in-person or video-chat tour, and a Pure Equity Realty agent will confirm your visit, often the same day.
Is 20816 SW 85th Place, Cutler Bay, FL 33189 still available?: 20816 SW 85th Place, Cutler Bay, FL 33189 is currently listed as Sold, and has been on the market 110 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 20816 SW 85th Place, Cutler Bay, FL 33189?: With 20% down ($139,800) on the $699,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 20816 SW 85th Place, Cutler Bay, FL 33189 is about $3,674/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 20816 SW 85th Place, Cutler Bay, FL 33189?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 20816 SW 85th Place, Cutler Bay, FL 33189. Contact Pure Equity Realty and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 20816 SW 85th Place, Cutler Bay, FL 33189 have an HOA fee?: Yes: 20816 SW 85th Place, Cutler Bay, FL 33189 carries an HOA fee of about $112 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 20816 SW 85th Place, Cutler Bay, FL 33189?: 20816 SW 85th Place, 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 20816 SW 85th Place, Cutler Bay, FL 33189?: Often, yes. The right offer on 20816 SW 85th Place, 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 Realty will run the comps and help you craft a competitive, well-supported offer.

Listing courtesy of Xcellence

Listing information is provided by BeachesMLS, Inc.and is deemed reliable but not guaranteed accurate by the MLS or Pure Equity Realty. 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 August 30, 2026.

$699,000