How do I schedule a tour of 8935 SW 186th Terrace, Cutler Bay, FL 33157?

Use the Tour button on this listing to request a showing of 8935 SW 186th Terrace, Cutler Bay, FL 33157. 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 8935 SW 186th Terrace, Cutler Bay, FL 33157 still available?

8935 SW 186th Terrace, Cutler Bay, FL 33157 is currently listed as Active, and has been on the market 172 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 8935 SW 186th Terrace, Cutler Bay, FL 33157?

With 20% down ($151,800) on the $759,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8935 SW 186th Terrace, Cutler Bay, FL 33157 is about $3,989/mo, before property taxes, insurance. Use the payment estimate on this page to adjust the down payment and rate.

How do I get pre-approved to buy 8935 SW 186th Terrace, Cutler Bay, FL 33157?

Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8935 SW 186th Terrace, Cutler Bay, FL 33157. Contact Pure Equity Realty and we'll connect you with a trusted local lender to review your financing options, no obligation.

What schools serve 8935 SW 186th Terrace, Cutler Bay, FL 33157?

8935 SW 186th Terrace, Cutler Bay, FL 33157 is zoned for Whispering Pines (Miami-Dade) (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 8935 SW 186th Terrace, Cutler Bay, FL 33157?

Often, yes. The right offer on 8935 SW 186th Terrace, Cutler Bay, FL 33157 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

172 Days on Market

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$759,000

8935 SW 186th Terrace

Cutler Bay, FL 33157

WHISPERING PINES ESTATES

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

Bedrooms

Bathrooms

1,300

Living Sq Ft

1961

Year Built

Estimated monthly payment

$3,989 /mo

Principal and interest only, based on $151,800 down (20%), a 6.875% 30-year fixed rate. Property taxes, homeowners insurance are not included.

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Listing Snapshot

Price: $759,000
Days on Site: 172 Days
Bedrooms: 3
Total Baths: 2
Full Baths: 2
Partial Baths: 0
Living Area: 1,300 sqft
Total Sq Ft: 2,300 sqft
Lot Size: 0.35 Acres
Year Built: 1961
Property Type: Single Family
MLS #: A11979784
Property Tax: $6,686 (2025)
Subdivision: WHISPERING PINES ESTATES
County: Miami Dade
Status: Active
Special Conditions: Listed As Is

About This Property

Beautiful 3-bedroom, 2-bathroom pool home with a very large two-car garage, featuring a brand new 2025 roof, full impact windows and doors throughout, and solar panels for a zero electric bill and energy efficiency, located in the heart of Cutler Bay on an expansive 15,050 sq ft lot with a large backyard and private pool perfect for entertaining and outdoor living. This one-story residence offers comfortable living spaces and plenty of room to enjoy the South Florida lifestyle. Ideally located near Whispering Pines Elementary and Cutler Bay Middle School, and within a one-mile proximity to Palmer Trinity School, an independent college preparatory school, as well as nearby parks like Whispering Pines Park and Lakes by the Bay Park. Just minutes from Publix, Target, restaurants, and major highways including US-1 and the Florida Turnpike, providing easy access throughout Miami. A great opportunity to own in one of Cutler Bay’s most desirable neighborhoods.

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General Features

Property Type: Single Family
Status: Active
Year Built: 1961
Property Condition: Resale
Number of Stories: 1
Levels: One
Garage Spaces: 2
Parking: Driveway
Direction Faces: North
Lot Size (Acres): 0.35
Living Sq Ft: 1,300
Total Sq Ft: 2,300
Sewer: Public Sewer
Water Source: Public
Zoning: 2100

Interior Features

Appliances: Dishwasher / Gas Water Heater / Microwave / Refrigerator
Cooling: Central Air / Electric
Heating: Central
Flooring: Tile
Interior Features: Bedroom On Main Level / Separate Shower
Laundry: Washer Hookup / Dryer Hookup / In Garage
Total Rooms: 1

Exterior Features

Construction: Block
Roof: Shingle
Exterior Features: Barbecue / Lighting / Outdoor Living Area / Porch
Private Pool: Yes
Pool Features: In Ground
Patio & Porch: Patio / Porch / Screened
Lot Features: Quarter To Half Acre Lot
View: Pool

Community & HOA

Association Amenities: Other
Financing Terms: Cash / Conventional / FHA
Restrictions: No Restrictions
MLS Area: 2600

Schools

Elementary School: Whispering Pines (Miami-Dade)
Middle School: Cutler Bay Middle
High School: Miami Southridge

About the Community

Whispering Pines Estates

View Community Details →

Whispering Pines Estates 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 $725,000 to $3,300,000. At least one resident per home must be 55 or older. Pure Equity Realty represents buyers and sellers in Whispering Pines Estates at 1% listing commission. Free buyer representation.

Homes for Sale: 5
Under Contract: 0
Median List Price: $780,000
Median $/Sq Ft: $449
Avg Days on Market: 70

View all 5 homes for sale in Whispering Pines Estates →

Frequently Asked Questions

How do I schedule a tour of 8935 SW 186th Terrace, Cutler Bay, FL 33157?: Use the Tour button on this listing to request a showing of 8935 SW 186th Terrace, Cutler Bay, FL 33157. 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 8935 SW 186th Terrace, Cutler Bay, FL 33157 still available?: 8935 SW 186th Terrace, Cutler Bay, FL 33157 is currently listed as Active, and has been on the market 172 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 8935 SW 186th Terrace, Cutler Bay, FL 33157?: With 20% down ($151,800) on the $759,000 list price and a 30-year fixed loan at an illustrative 6.875% rate, the estimated principal & interest for 8935 SW 186th Terrace, Cutler Bay, FL 33157 is about $3,989/mo, before property taxes, insurance. Use the payment estimate on this page to adjust the down payment and rate.
How do I get pre-approved to buy 8935 SW 186th Terrace, Cutler Bay, FL 33157?: Getting pre-approved shows sellers you're a serious buyer and clarifies your true budget before you offer on 8935 SW 186th Terrace, Cutler Bay, FL 33157. Contact Pure Equity Realty and we'll connect you with a trusted local lender to review your financing options, no obligation.
What schools serve 8935 SW 186th Terrace, Cutler Bay, FL 33157?: 8935 SW 186th Terrace, Cutler Bay, FL 33157 is zoned for Whispering Pines (Miami-Dade) (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 8935 SW 186th Terrace, Cutler Bay, FL 33157?: Often, yes. The right offer on 8935 SW 186th Terrace, Cutler Bay, FL 33157 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 Chez Realty, LLC.

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 June 23, 2026.

$759,000