9829 SW 221st St, Cutler Bay FL 33190, CUTLER BAY, FL, 33190
Active444 days on marketListed Jun 1, 2025MLS #A11958132
About this home
9829 SW 221st St, Cutler Bay FL 33190
Welcome to your cozy haven in beautiful Cutler Bay! This charming 4-bed, 2-bath home is perfect for families seeking comfort and convenience. With spacious living areas and plenty of natural light, it's great for gatherings or just relaxing. Remodeled and ready to make it your own. There's a community pool and walking paths for outdoor fun. Plus, you're only 45 minutes from the Florida Keys for weekend adventures! Enjoy the laid-back lifestyle you've been dreaming of in this lovely neighborhood. Well connected to public transportation. - lender credit of 1% of loan amount Towards closing costs through preferred lender with approved credit and income. Certain restrictions apply
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,413
Sqft
1
Garage
1990
Year built
$364
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.
$3,889 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,889/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−3.4%
$/sqft vs Cutler Bay actives
$364 vs $321
Days on market
444 vs 56 typical
Where $364/sqft sits among the 223 Cutler Bay actives
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 33190 — neighborhood snapshot
Population
17,280
Median age
35.1
Median income
$75,876
Median home value
$371,200
Avg household
3.13
Households w/ children
2,484
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)
25 of 223
Cutler Bay actives have cut their price
Median sold price, Cutler Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the CUTLER BAY 33190 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 9829 SW 221st St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$489,000
9755 SW 222nd Ter, Cutler Bay FL 33190 · same community
3 bd · 2 ba · 1,423 sqft · $344/sqft · 50 DOM
Sold · Jun ’26$509,000
9756 SW 222nd St, Cutler Bay FL 33190 · same community
3 bd · 2 ba · 1,423 sqft · $358/sqft · 51 DOM
Sold · Sep ’25$459,000
9826 SW 222nd Ter, Cutler Bay FL 33190 · same community
3 bd · 2 ba · 1,369 sqft · $335/sqft · 83 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 9829 SW 221st St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9829 SW 221st St — 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
9829 SW 221st St FAQs
What would the monthly payment be for 9829 SW 221st St, Cutler Bay FL 33190?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,889/mo — principal and interest, the actual property-tax bill, the $113/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 9829 SW 221st St, Cutler Bay FL 33190?+
The association fee works out to $113 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9829 SW 221st St, Cutler Bay FL 33190?+
The most recent tax bill on record (2025) was $4,279. 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 $515,000, this home is listed about 10% below the Cutler Bay median of $574,250. The market section on this page shows how the area is trending.
Which schools are assigned to 9829 SW 221st St, Cutler Bay FL 33190?+
Goulds Elementary School (elementary), Cutler Bay Middle (middle), Miami Southridge Senior High (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
Four things that matter here
01Positioned at the premium end
$515,000 runs 52% above the CUTLER BAY 33190 median.
02None views
The none view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
444 days on market against a Cutler Bay median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $525,000, now $515,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LoKation · Jesus Pazmino. MLS #A11958132.
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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