$520,000
8859 SW 223rd Terrace
Cutler Bay, FL 33190
THE RESERVES
Explore the area: Cutler Bay homes for sale · Miami Dade County real estate
Price Check
How this price compares
- List price
- $520,000
- Price per sq ft
- $277
- Original price
- Unchanged
- Days on market
- 11
This 3-bedroom single-family home in ZIP 33190 is listed at $520,000, or $277 per square foot. It has been on the market for 11 days.
Estimated monthly payment
$2,733 /mo
Principal and interest only, based on $104,000 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $110/mo HOA are not included.
Customize this estimateListing Snapshot
- Price
- $520,000
- Days on Site
- 11 Days
- Bedrooms
- 3
- Total Baths
- 2
- Full Baths
- 2
- Partial Baths
- 0
- Living Area
- 1,876 sqft
- Total Sq Ft
- 1,823 sqft
- Lot Size
- 0.12 Acres
- Year Built
- 2005
- Property Type
- Single Family
- MLS #
- A12092998
- Property Tax
- $5,505 (2025)
- HOA Fees
- $110 / Monthly
- Subdivision
- THE RESERVES
- Development
- LAKES BY THE BAY
- County
- Miami Dade
- Status
- Active
- Special Conditions
- Auction / Real Estate Owned / Listed As Is
About This Property
Opportunity in the Lakes by the Bay area of Cutler Bay. This two-story home features an attractive Mediterranean-style exterior with tile roof, stone accents, second-floor balcony, paver driveway and two-car garage. Enjoy a convenient location near Lakes by the Bay Park, Black Point Park & Marina, Southland Mall, dining, shopping and entertainment, with easy access to major roadways. Property is occupied. Do not disturb occupants. No showings or interior access will be permitted. Property is being sold as-is.This property is now active in an online auction. All offers must be submitted through the property’s listing page on Auction. The sale will be subject to a 5% buyer’s premium pursuant to the Auction Terms and Conditions (minimums may apply). All auction bids will be processed subject to seller approval.
General Features
- Property Type
- Single Family
- Status
- Active
- Year Built
- 2005
- Number of Stories
- 2
- Levels
- Two
- Garage Spaces
- 2
- Parking
- Driveway
- Direction Faces
- South
- Lot Size (Acres)
- 0.12
- Living Sq Ft
- 1,876
- Total Sq Ft
- 1,823
- Sewer
- Public Sewer
- Water Source
- Public
- Zoning
- 0100
Interior Features
- Cooling
- Central Air
- Heating
- Central
- Flooring
- Other
- Interior Features
- None / Other
- Total Rooms
- 1
Exterior Features
- Construction
- Block
- Roof
- Barrel
- Exterior Features
- Balcony / Outdoor Living Area
- Pool Features
- Association
- Patio & Porch
- Open / Balcony
Community & HOA
- HOA Fee
- $110 / Monthly
- Association Amenities
- Clubhouse / Fitness Center / Gated / Pool
- Community Features
- Home Owners Association
- Pets Allowed
- Yes
- Financing Terms
- Cash
- Restrictions
- No Restrictions
- MLS Area
- 2600
Schools
- Elementary School
- Dr. Edward L. Whigham
- Middle School
- Cutler Bay Middle
- High School
- Miami Southridge
About the Area
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
Frequently Asked Questions
- How do I schedule a tour of 8859 SW 223rd Terrace, Cutler Bay, FL 33190?
- Use the Tour button on this listing to request a showing of 8859 SW 223rd Terrace, 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 8859 SW 223rd Terrace, Cutler Bay, FL 33190 still available?
- 8859 SW 223rd Terrace, Cutler Bay, FL 33190 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 8859 SW 223rd Terrace, Cutler Bay, FL 33190?
- With 20% down ($104,000) on the $520,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8859 SW 223rd Terrace, Cutler Bay, FL 33190 is about $2,733/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 8859 SW 223rd Terrace, Cutler Bay, FL 33190?
- Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8859 SW 223rd Terrace, 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 8859 SW 223rd Terrace, Cutler Bay, FL 33190 have an HOA fee?
- Yes: 8859 SW 223rd Terrace, Cutler Bay, FL 33190 carries an HOA fee of about $110 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 8859 SW 223rd Terrace, Cutler Bay, FL 33190?
- 8859 SW 223rd Terrace, 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 8859 SW 223rd Terrace, Cutler Bay, FL 33190?
- Often, yes. The right offer on 8859 SW 223rd Terrace, 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 Continental Realty, 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 27, 2026.
$520,000
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Listed by Luis F Guzman, Continental Realty, LLC
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Recent Sales
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.
Sold$335,000
Sold · October 13, 2026
22101 SW 100th Place
2 bed · 2 bath · 1,136 sqft · $295/sqft
$15,000 under the asking price
Sold$710,000
Sold · October 5, 2026
10231 SW 227th Lane
4 bed · 3 bath · 2,581 sqft · $275/sqft
$20,000 under the asking price
Sold$430,000
Sold · September 30, 2026
8979 SW 225th Street
4 bed · 3 bath · 1,712 sqft · $251/sqft
$9,000 under the asking price
Sold$260,000
Sold · September 28, 2026
22561 SW 88th Place 205-7
2 bed · 2 bath · 809 sqft · $321/sqft
$4,900 under the asking price
Sold$260,000
Sold · September 25, 2026
22561 SW 88th Place 303-7
2 bed · 2 bath · 817 sqft · $318/sqft
$19,528 under the asking price
Sold$330,000
Sold · September 23, 2026
22105 SW 103rd Court
3 bed · 2.5 bath · 1,518 sqft · $217/sqft
$9,000 under the asking price
See every recorded sale in ZIP 33190 or find out what your ZIP 33190 home is worth.
