How do I schedule a tour of 8144 SW 205th Terrace, Cutler Bay, FL 33189?

Use the Tour button on this listing to request a showing of 8144 SW 205th Terrace, 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 8144 SW 205th Terrace, Cutler Bay, FL 33189 still available?

8144 SW 205th Terrace, Cutler Bay, FL 33189 is currently listed as Active, and has been on the market 11 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 8144 SW 205th Terrace, Cutler Bay, FL 33189?

With 20% down ($150,000) on the $750,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8144 SW 205th Terrace, Cutler Bay, FL 33189 is about $3,942/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 8144 SW 205th Terrace, Cutler Bay, FL 33189?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8144 SW 205th Terrace, 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 8144 SW 205th Terrace, Cutler Bay, FL 33189 have an HOA fee?

Yes: 8144 SW 205th Terrace, Cutler Bay, FL 33189 carries an HOA fee of about $180 quarterly. HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.

What schools serve 8144 SW 205th Terrace, Cutler Bay, FL 33189?

8144 SW 205th Terrace, 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 8144 SW 205th Terrace, Cutler Bay, FL 33189?

Often, yes. The right offer on 8144 SW 205th Terrace, 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.

Active

11 Days on Market

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$750,000

8144 SW 205th Terrace

Cutler Bay, FL 33189

SAGA BAY SEC 1 PT 5

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

Bedrooms

Bathrooms

1,840

Living Sq Ft

1974

Year Built

Estimated monthly payment

$3,942 /mo

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

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Listing Snapshot

Price: $750,000
Days on Site: 11 Days
Bedrooms: 3
Total Baths: 2
Full Baths: 2
Partial Baths: 0
Living Area: 1,840 sqft
Total Sq Ft: 2,763 sqft
Lot Size: 0.22 Acres
Year Built: 1974
Property Type: Single Family
MLS #: A12073270
Property Tax: $10,002 (2025)
HOA Fees: $180 / Quarterly
Subdivision: SAGA BAY SEC 1 PT 5
County: Miami Dade
Status: Active
Special Conditions: Listed As Is

About This Property

Welcome to Saga Bay, one of Cutler Bay’s most desirable communities, where an active outdoor lifestyle meets everyday convenience. Situated on a beautifully maintained 9,583 sq ft corner lot, this updated 3 bedroom, 2 bath residence offers a spacious, open-concept layout plus a versatile flex room that can easily serve as a guest bedroom, home office, gym, or media room. Inside, you’ll find neutral wood-look tile flooring throughout, generous living and dining spaces, and a beautifully updated kitchen featuring newer appliances, a large island, and seamless views of the backyard, perfect for both everyday living and entertaining. The expansive covered terrace with a built-in summer kitchen/bar overlooks the sparkling pool and oversized yard, creating the ideal setting for weekend gatherings or relaxing year-round. The 2-car garage, and gated side access provide plenty of room to park a boat, RV, or other recreational toys. The roof was replaced approximately 9 years ago, and the home features partial impact windows with accordion shutters protecting the remaining openings for added peace of mind. Enjoy everything Saga Bay has to offer, including private lake access with a beach area, scenic walking paths, parks, tennis and pickleball courts, playgrounds, and a true sense of community. Just minutes from Black Point Marina, waterfront dining, shopping, and schools, this exceptional home offers the perfect balance of comfort, convenience, and outdoor living.

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General Features

Property Type: Single Family
Status: Active
Year Built: 1974
Property Condition: Resale
Number of Stories: 1
Levels: One
Garage Spaces: 2
Parking: Boat / Driveway / Garage / Garage Door Opener / Parking Pad / Rv Access Parking
Direction Faces: West
Lot Size (Acres): 0.22
Living Sq Ft: 1,840
Total Sq Ft: 2,763
Sewer: Public Sewer
Water Source: Public
Zoning: 0100

Interior Features

Appliances: Dryer / Dishwasher / Electric Range / Microwave / Refrigerator / Washer
Cooling: Central Air / Ceiling Fans
Heating: Central
Flooring: Tile
Interior Features: Breakfast Bar / Breakfast Area / Dining Area / Separate Formal Dining Room / None
Laundry: In Garage
Total Rooms: 2

Exterior Features

Construction: Block
Roof: Shingle
Exterior Features: Outdoor Living Area
Architectural Style: Ranch
Private Pool: Yes
Pool Features: In Ground
Patio & Porch: Patio

Community & HOA

HOA Fee: $180 / Quarterly
Association Amenities: Other / Picnic Area
Community Features: Home Owners Association
Pets Allowed: Yes
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

Saga Bay Sec 1 Pt

View Community Details →

Homes for Sale: 2
Under Contract: 0
Median List Price: $925,000
Median $/Sq Ft: $375
Avg Days on Market: 15

View all 2 homes for sale in Saga Bay Sec 1 Pt →

Frequently Asked Questions

How do I schedule a tour of 8144 SW 205th Terrace, Cutler Bay, FL 33189?: Use the Tour button on this listing to request a showing of 8144 SW 205th Terrace, 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 8144 SW 205th Terrace, Cutler Bay, FL 33189 still available?: 8144 SW 205th Terrace, Cutler Bay, FL 33189 is currently listed as Active, and has been on the market 11 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 8144 SW 205th Terrace, Cutler Bay, FL 33189?: With 20% down ($150,000) on the $750,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8144 SW 205th Terrace, Cutler Bay, FL 33189 is about $3,942/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 8144 SW 205th Terrace, Cutler Bay, FL 33189?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8144 SW 205th Terrace, 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 8144 SW 205th Terrace, Cutler Bay, FL 33189 have an HOA fee?: Yes: 8144 SW 205th Terrace, Cutler Bay, FL 33189 carries an HOA fee of about $180 quarterly. HOA dues usually cover community amenities and shared maintenance; ask us for the current budget, rules, and exactly what's included.
What schools serve 8144 SW 205th Terrace, Cutler Bay, FL 33189?: 8144 SW 205th Terrace, 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 8144 SW 205th Terrace, Cutler Bay, FL 33189?: Often, yes. The right offer on 8144 SW 205th Terrace, 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 Miami Portfolio Collection

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.

$750,000