How do I schedule a tour of 8906 SW 221st Terrace, Cutler Bay, FL 33190?

Use the Tour button on this listing to request a showing of 8906 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 8906 SW 221st Terrace, Cutler Bay, FL 33190 still available?

8906 SW 221st Terrace, Cutler Bay, FL 33190 is currently listed as Sold, and has been on the market 63 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 8906 SW 221st Terrace, Cutler Bay, FL 33190?

With 20% down ($95,800) on the $479,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8906 SW 221st Terrace, Cutler Bay, FL 33190 is about $2,517/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 8906 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 8906 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 8906 SW 221st Terrace, Cutler Bay, FL 33190 have an HOA fee?

Yes: 8906 SW 221st Terrace, Cutler Bay, FL 33190 carries an HOA fee of about $145 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 8906 SW 221st Terrace, Cutler Bay, FL 33190?

8906 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 8906 SW 221st Terrace, Cutler Bay, FL 33190?

Often, yes. The right offer on 8906 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.

Sold

63 Days on Market

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$479,000

8906 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

2005

Year Built

Estimated monthly payment

$2,517 /mo

Principal and interest only, based on $95,800 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance, and the $145/mo HOA are not included.

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Listing Snapshot

Price: $479,000
Days on Site: 63 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: 2005
Property Type: Townhouse
MLS #: A12004792
Property Tax: $5,648 (2025)
HOA Fees: $145 / Monthly
Subdivision: LAKES BY THE BAY JAY
County: Miami Dade
Status: Sold
Special Conditions: Listed As Is

About This Property

BEST VALUE IN LAKES BY THE BAY! Same model as 8905 SW 221st Ter directly across the street, which closed at $500,000 in April 2026, priced $21K below at $479,000. This spacious 1,812 sq ft corner unit townhome offers 3 bedrooms, 2 1/2 bathrooms, and a rare layout that lives like a single-family home, without the single-family price tag.Key upgrades for peace of mind: brand new 2022 HVAC, high-efficiency appliances, durable granite kitchen with center island, walk in pantry, no carpet anywhere, tile and laminate flooring from top to bottom. The spacious primary suite features high ceilings, a soaking tub, and a walk-in closet.Prime location within community directly across from the park, pool, and mailboxes. Resort-style amenities include a gym, clubhouse, spa/hot tub, and bike/jog paths. Minutes to Black Point Marina, Old Cutler Road, US-1, and the new SouthPlace City Center development.SELLERS ARE MOTIVATED and will contribute toward buyer closing costs or a rate buydown with a strong offer. Fast closing available. FHA/VA approved. Don't miss the opportunity to own the best-priced unit in the neighborhood.

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General Features

Property Type: Townhouse
Status: Sold
Year Built: 2005
Number of Stories: 2
Levels: Two
Garage Spaces: 1
Parking: Garage / Garage Door Opener
Living Sq Ft: 1,812
Total Sq Ft: 2,024
Structure Type: Townhouse

Interior Features

Appliances: Dryer / Dishwasher / Electric Range / Disposal / Ice Maker / Microwave / Oven / Refrigerator / Washer
Cooling: Central Air / Ceiling Fans
Heating: Central
Flooring: Ceramic Tile / Laminate
Interior Features: Bathtub / Eat In Kitchen / Garden Tub Roman Tub / Kitchen Island / Living Dining Room / Pantry / Soaking Tub / Separate Shower / Upper Level Primary / Vaulted Ceilings / Walk In Closets
Windows: Blinds / Sliding
Total Rooms: 1

Exterior Features

Construction: Block
Exterior Features: Lighting / Outdoor Living Area
Pool Features: Association
Patio & Porch: Patio
Lot Features: Fruit Trees
View: Garden

Community & HOA

HOA Fee: $145 / Monthly
HOA Includes: Common Areas / Maintenance Grounds / Pools / Recreation Facilities / Reserve Fund / Security
Association Amenities: Clubhouse / Fitness Center / Maintenance Grounds / Playground / Pool / Parking / Spa Hot Tub / Trails
Community Features: Home Owners Association
Security: Fire Alarm / Other / Smoke Detectors / Security Fence / Security Guard
Pets Allowed: No Pet Restrictions / Yes
Financing Terms: Cash / Conventional / FHA / Va Loan
Restrictions: Other Restrictions
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 8906 SW 221st Terrace, Cutler Bay, FL 33190?: Use the Tour button on this listing to request a showing of 8906 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 8906 SW 221st Terrace, Cutler Bay, FL 33190 still available?: 8906 SW 221st Terrace, Cutler Bay, FL 33190 is currently listed as Sold, and has been on the market 63 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 8906 SW 221st Terrace, Cutler Bay, FL 33190?: With 20% down ($95,800) on the $479,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8906 SW 221st Terrace, Cutler Bay, FL 33190 is about $2,517/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 8906 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 8906 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 8906 SW 221st Terrace, Cutler Bay, FL 33190 have an HOA fee?: Yes: 8906 SW 221st Terrace, Cutler Bay, FL 33190 carries an HOA fee of about $145 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 8906 SW 221st Terrace, Cutler Bay, FL 33190?: 8906 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 8906 SW 221st Terrace, Cutler Bay, FL 33190?: Often, yes. The right offer on 8906 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 Luxe Properties

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 July 1, 2026.

$479,000