How do I schedule a tour of 8905 SW 221st Terrace, Cutler Bay, FL 33190?

Use the Tour button on this listing to request a showing of 8905 SW 221st Terrace, Cutler Bay, FL 33190. 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 8905 SW 221st Terrace, Cutler Bay, FL 33190 still available?

8905 SW 221st Terrace, Cutler Bay, FL 33190 is currently listed as Sold, and has been on the market 22 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 8905 SW 221st Terrace, Cutler Bay, FL 33190?

With 20% down ($100,000) on the $500,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8905 SW 221st Terrace, Cutler Bay, FL 33190 is about $2,628/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 8905 SW 221st Terrace, Cutler Bay, FL 33190?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8905 SW 221st Terrace, Cutler Bay, FL 33190. Contact Pure Equity Realty and we'll connect you with a trusted local lender to review your financing options, no obligation.

Does 8905 SW 221st Terrace, Cutler Bay, FL 33190 have an HOA fee?

Yes: 8905 SW 221st Terrace, Cutler Bay, FL 33190 carries an HOA fee of about $159 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 8905 SW 221st Terrace, Cutler Bay, FL 33190?

8905 SW 221st 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 8905 SW 221st Terrace, Cutler Bay, FL 33190?

Often, yes. The right offer on 8905 SW 221st Terrace, Cutler Bay, FL 33190 depends on how it's priced against comparable townhouse 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

22 Days on Market

All Listings

$500,000

8905 SW 221st Terrace

Cutler Bay, FL 33190

LAKES BY THE BAY JAY

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

Bedrooms

Bathrooms

1,812

Living Sq Ft

2006

Year Built

Estimated monthly payment

$2,628 /mo

Principal and interest only, based on $100,000 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $159/mo HOA are not included.

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Listing Snapshot

Price: $500,000
Days on Site: 22 Days
Bedrooms: 3
Total Baths: 3
Full Baths: 2
Partial Baths: 1
Living Area: 1,812 sqft
Total Sq Ft: 2,024 sqft
Year Built: 2006
Property Type: Townhouse
MLS #: A11972925
Property Tax: $8,502 (2025)
HOA Fees: $159 / Monthly
Subdivision: LAKES BY THE BAY JAY
County: Miami Dade
Status: Sold

About This Property

Completely renovated from top to bottom in 2024, this spacious 3-bedroom, 2.5-bathroom corner unit townhome in Lakes by the Bay offers modern luxury with no expense spared. The floor plan was professionally reimagined to open up the living space and add an eat-in kitchen island. High end finishes include custom wood cabinetry, imported quartz counter tops, custom doors and closets, and premium 2024 Café Appliances still under warranty. Features also include high-end laminate wood flooring, a custom glass staircase, Italian ceramic tiles in the bathrooms, floating vanities with glass shower doors. Extensive technical upgrades include new recessed lighting, under counter electrical outlets, smart dimmers/switches, new baseboards, ceiling fans, light fixtures and wood blinds throughout. All major systems are brand new for peace of mind: New A/C (2024), new water heater, and a new washer and dryer. This home includes a one car garage and sits within a resort style community featuring walking paths, a nearby pool, and a main clubhouse with a gym and secondary pool. Excellent craftsmanship throughout this property, it is truly move in ready. Turnpike, Old Cutler Road, US 1, and Black Point Marina are all less then 5 minutes away. New developments of Cutler Bay area include the Legacy Park and Municipal Complex a 16-acre space that will feature a Community Park, Town Hall, Police Station, and Community Center. Also the redevelopment of South Land Mall into SouthPlace City Center.

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General Features

Property Type: Townhouse
Status: Sold
Year Built: 2006
Number of Stories: 2
Levels: Two
Garage Spaces: 1
Attached Garage: Yes
Parking: Attached / Garage / On Street
Living Sq Ft: 1,812
Total Sq Ft: 2,024
Structure Type: Townhouse

Interior Features

Appliances: Dryer / Dishwasher / Electric Range / Refrigerator / Washer
Cooling: Central Air
Heating: Central
Interior Features: Dual Sinks / Upper Level Primary / Walk In Closets

Exterior Features

Construction: Block
Exterior Features: Outdoor Living Area
Pool Features: Association
Patio & Porch: Patio
View: Garden

Community & HOA

HOA Fee: $159 / Monthly
HOA Includes: Common Areas
Association Amenities: Clubhouse / Fitness Center / Other / Pool
Community Features: Home Owners Association
Security: Other / Security Fence
Pets Allowed: No Pet Restrictions / Yes
55+ Community: Yes
Financing Terms: Cash / Conventional / FHA / Va Loan
Restrictions: See Remarks
MLS Area: 2600

Schools

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

About the Community

Lakes By The Bay Jay

View Community Details →

Lakes By The Bay Jay is an age-restricted 55+ community in Cutler Bay, Miami-Dade County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $405,000 to $479,000. At least one resident per home must be 55 or older. Pure Equity Realty represents buyers and sellers in Lakes By The Bay Jay at 1% listing commission. Free buyer representation.

Homes for Sale: 1
Median List Price: $455,000
Median $/Sq Ft: $267
Avg Days on Market: 0

View all 1 homes for sale in Lakes By The Bay Jay →

Frequently Asked Questions

How do I schedule a tour of 8905 SW 221st Terrace, Cutler Bay, FL 33190?: Use the Tour button on this listing to request a showing of 8905 SW 221st Terrace, Cutler Bay, FL 33190. 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 8905 SW 221st Terrace, Cutler Bay, FL 33190 still available?: 8905 SW 221st Terrace, Cutler Bay, FL 33190 is currently listed as Sold, and has been on the market 22 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 8905 SW 221st Terrace, Cutler Bay, FL 33190?: With 20% down ($100,000) on the $500,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8905 SW 221st Terrace, Cutler Bay, FL 33190 is about $2,628/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 8905 SW 221st Terrace, Cutler Bay, FL 33190?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8905 SW 221st Terrace, Cutler Bay, FL 33190. Contact Pure Equity Realty and we'll connect you with a trusted local lender to review your financing options, no obligation.
Does 8905 SW 221st Terrace, Cutler Bay, FL 33190 have an HOA fee?: Yes: 8905 SW 221st Terrace, Cutler Bay, FL 33190 carries an HOA fee of about $159 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 8905 SW 221st Terrace, Cutler Bay, FL 33190?: 8905 SW 221st 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 8905 SW 221st Terrace, Cutler Bay, FL 33190?: Often, yes. The right offer on 8905 SW 221st Terrace, Cutler Bay, FL 33190 depends on how it's priced against comparable townhouse 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 Sunshine Brokers

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.

$500,000