19086 SW 76th Ave, Cutler Bay FL 33157, CUTLER BAY, FL, 33157
Active197 days on marketListed Jan 26, 2026MLS #A11952804
About this home
19086 SW 76th Ave, Cutler Bay FL 33157
Lowest Price plus seller offers 1 year of HOA Fees and $10k credit to replace carpets with acceptable offer. Make this your awesome 5 BR/ 4 BA Home in Cutler Cay. Large lot adjacent to common area makes the backyard much larger. HOA includes Internet, TV Cables, 24/7 Security, front yard maintenance. One of Miami's Best Club Houses, Amenities include pool, tennis, pickle ball and more. Upon entering, you're greeted by soaring ceilings that bathe the space in natural light, creating a bright & inviting atmosphere. The 1st-floor features elegant neutral porcelain tile throughout, with a spacious bedroom & full bath—perfect for guests or multi-generational living. The gorgeous kitchen boasts light wood cabinetry, granite countertops,& a bar stool seating—perfect for casual dining or entertaining. Upstairs, you'll find the stunning primary suite, complete with a walk-in closet & a luxurious, spa-like bathroom designed for ultimate relaxation. Rich hardwood flooring extends throughout the staircase & primary bedroom, adding a touch of warmth & sophistication. Cement 2nd floor. 2-Ac's 2019. The expansive tropical backyard offers an ideal outdoor retreat, perfect for entertaining or unwinding in privacy. The home is just a short walk to the exceptional Cutler Cay community clubhouse, where you can enjoy resort-style amenities, including a sparkling pool, state-of-the-art gym, tennis, & pickleball courts. 2 car garage. This beautiful home blends comfort, style, & convenience.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,945
Sqft
2
Garage
2005
Year built
$241
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,939 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,939/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−39.9%
$/sqft vs CUTLER CAY
$241 vs $265
Days on market
197 vs 56 typical
Where $241/sqft sits among the 17 homes for sale in CUTLER CAY
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Cutler Bay
Get to know Cutler Bay. See the full Cutler Bay guide →
CUTLER BAY 33157 — neighborhood snapshot
Population
69,605
Median age
40.6
Median income
$80,364
Median home value
$478,300
Avg household
3.17
Households w/ children
8,138
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Cutler Bay market
$530K → $593K
Cutler Bay median sold, yr/yr
99.2%
Sale-to-list ratio (12 mo)
0 of 17
CUTLER CAY have cut their price
Median sold price, Cutler Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 107% above the CUTLER BAY 33157 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 19086 SW 76th Ave
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$775,000
7547 SW 191st St, Cutler Bay FL 33157 · same community
5 bd · 4 ba · 3,945 sqft · $196/sqft · 136 DOM
Sold · Sep ’25$830,000
7567 SW 189th St, Cutler Bay FL 33157 · same community
5 bd · 4 ba · 3,945 sqft · $210/sqft · 112 DOM
Sold · Dec ’25$935,000
19030 SW 74th Ave, Cutler Bay FL 33157 · same community
5 bd · 4 ba · 3,945 sqft · $237/sqft · 156 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 19086 SW 76th Ave — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 19086 SW 76th Ave — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
19086 SW 76th Ave FAQs
What would the monthly payment be for 19086 SW 76th Ave, Cutler Bay FL 33157?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,939/mo — principal and interest, the actual property-tax bill, the $499/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 19086 SW 76th Ave, Cutler Bay FL 33157?+
The association fee works out to $499 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 19086 SW 76th Ave, Cutler Bay FL 33157?+
The most recent tax bill on record (2024) was $9,570. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cutler Bay?+
At $950,000, this home is listed about 65% above the Cutler Bay median of $574,250. The market section on this page shows how the area is trending.
Which schools are assigned to 19086 SW 76th Ave, Cutler Bay FL 33157?+
Robert Russa Moton Elementary School (elementary), Southwood Middle School (middle), Miami Palmetto Senior High School (high), Title I Migrant Education Program (), Instructional Center System Wide (), District Instructional Center (Dic) () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$950,000 runs 107% above the CUTLER BAY 33157 median — but at 3,945 sqft it's also nearly 3 times the size of the typical Cutler Bay listing.
02City Lights & Garden views
The city lights and garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
197 days on market against a Cutler Bay median of 56 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Robert Russa Moton Elementary School, Southwood Middle School, Miami Palmetto Senior High School, Title I Migrant Education Program, Instructional Center System Wide, District Instructional Center (Dic) — Southwood Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,075,000, now $950,000 — a $125K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of The Keyes Company · Frank DeValdivielso Jr.. MLS #A11952804.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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