How do I schedule a tour of 21820 SW 98th Place, Cutler Bay, FL 33190?

Use the Tour button on this listing to request a showing of 21820 SW 98th Place, Cutler Bay, FL 33190. 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 21820 SW 98th Place, Cutler Bay, FL 33190 still available?

21820 SW 98th Place, Cutler Bay, FL 33190 is currently listed as Sold, and has been on the market 17 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 21820 SW 98th Place, Cutler Bay, FL 33190?

With 20% down ($116,000) on the $580,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 21820 SW 98th Place, Cutler Bay, FL 33190 is about $3,048/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 21820 SW 98th Place, Cutler Bay, FL 33190?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 21820 SW 98th Place, Cutler Bay, FL 33190. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 21820 SW 98th Place, Cutler Bay, FL 33190 have an HOA fee?

Yes: 21820 SW 98th Place, Cutler Bay, FL 33190 carries an HOA fee of about $152 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 21820 SW 98th Place, Cutler Bay, FL 33190?

21820 SW 98th Place, Cutler Bay, FL 33190 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 21820 SW 98th Place, Cutler Bay, FL 33190?

Often, yes. The right offer on 21820 SW 98th Place, Cutler Bay, FL 33190 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.

Sold

17 Days on Market

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$560,000

Sold · July 14, 2025

21820 SW 98th Place

Cutler Bay, FL 33190

LAKES BY THE BAY SEC 1

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

Sale Summary

What this home sold for

Sold price: $560,000
Vs. list price: 3.4% under
Days on market: 17
Price per sq ft: $372

This 4-bedroom single-family home in ZIP 33190 sold for $560,000 on July 14, 2025. That was 3.4% below its final list price of $580,000. It spent 17 days on the market.

Bedrooms

Bathrooms

1,506

Living Sq Ft

1984

Year Built

Listing Snapshot

Sold Price: $560,000
Sold On: July 14, 2025
Days on Site: 17 Days
Bedrooms: 4
Total Baths: 3
Full Baths: 2
Partial Baths: 1
Living Area: 1,506 sqft
Total Sq Ft: 1,770 sqft
Lot Size: 0.09 Acres
Year Built: 1984
Property Type: Single Family
MLS #: A11810080
Property Tax: $8,081 (2024)
HOA Fees: $152 / Monthly
Subdivision: LAKES BY THE BAY SEC 1
County: Miami Dade
Status: Sold

About This Property

Welcome to your lakeside retreat in Cutler Bay! Enjoy serene lake views right from your couch in this 1,506 square foot home. This 4 bed/2.5 bath was completely remodeled in 2023. New roof, A/C & tankless water heater installed in 2023. The open-concept layout offers a light-filled living & dining area. The modern kitchen features quartz countertops, soft-close drawers & SS appliances. Primary suite features a walk-in closet & dual vanities in the bathroom. Don't forget the one-car garage. Montego Bay features scenic walking trails, a community pool and a kids playground. You're a short drive to Black Point Marina, Publix, Target and Starbucks! Montego Bay is located right off 216th Ave and Old Cutler Road making it possible to hop on the turnpike in minutes (through the 216th entrance)

MLS media link

General Features

Property Type: Single Family
Status: Sold
Year Built: 1984
Property Condition: Resale / Updated Remodeled
Number of Stories: 2
Levels: Two
Garage Spaces: 1
Attached Garage: Yes
Parking: Attached / Driveway / Garage
Direction Faces: North
Lot Size (Acres): 0.09
Living Sq Ft: 1,506
Total Sq Ft: 1,770
Sewer: Public Sewer
Water Source: Public
Zoning: 0100

Interior Features

Appliances: Dryer / Dishwasher / Electric Range / Disposal / Microwave / Refrigerator / Washer
Cooling: Central Air / Electric
Heating: Central / Electric
Flooring: Tile / Vinyl
Interior Features: Breakfast Bar / Dual Sinks / Living Dining Room / Main Level Primary / Pantry / Separate Shower / Vaulted Ceilings / Walk In Closets
Windows: Blinds
Furnished: Unfurnished

Exterior Features

Construction: Block / Frame
Roof: Shingle
Exterior Features: Lighting
Pool Features: Association
Waterfront Features: Lake Front / None
Frontage: Waterfront
Frontage Length: 50.00 ft
View: Lake / Water

Community & HOA

HOA Fee: $152 / Monthly
HOA Includes: Common Areas
Association Amenities: Pool / Tennis Courts
Community Features: Home Owners Association / Street Lights
Security: Fire Alarm
Utilities: Cable Available
Pets Allowed: Pet Restrictions / 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 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 agent to schedule a private showing.

Homes for Sale: 275
Under Contract: 73
Median List Price: $599,000
Median Sale Price (September): $555,000
Median $/Sq Ft: $323
Avg Days on Market: 90

View all 275 homes for sale in Cutler Bay →

Frequently Asked Questions

How do I schedule a tour of 21820 SW 98th Place, Cutler Bay, FL 33190?: Use the Tour button on this listing to request a showing of 21820 SW 98th Place, Cutler Bay, FL 33190. 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 21820 SW 98th Place, Cutler Bay, FL 33190 still available?: 21820 SW 98th Place, Cutler Bay, FL 33190 is currently listed as Sold, and has been on the market 17 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 21820 SW 98th Place, Cutler Bay, FL 33190?: With 20% down ($116,000) on the $580,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 21820 SW 98th Place, Cutler Bay, FL 33190 is about $3,048/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 21820 SW 98th Place, Cutler Bay, FL 33190?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 21820 SW 98th Place, Cutler Bay, FL 33190. Contact Pure Equity and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 21820 SW 98th Place, Cutler Bay, FL 33190 have an HOA fee?: Yes: 21820 SW 98th Place, Cutler Bay, FL 33190 carries an HOA fee of about $152 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 21820 SW 98th Place, Cutler Bay, FL 33190?: 21820 SW 98th Place, Cutler Bay, FL 33190 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 21820 SW 98th Place, Cutler Bay, FL 33190?: Often, yes. The right offer on 21820 SW 98th Place, Cutler Bay, FL 33190 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 Keller Williams Capital Realty

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 August 30, 2026.

$560,000

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Listed by Nicole Alvarez, Keller Williams Capital Realty

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Recently sold homes in ZIP 33190

These are the last 6 recorded closings in ZIP 33190, with the price each home actually sold for rather than what it was listed at. They closed at a median of $295 per square foot. The most recent closed on October 13, 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.