21470 SW 85th Path, Cutler Bay FL 33189, CUTLER BAY, FL, 33189
Active177 days on marketListed Feb 17, 2026MLS #A11966701
About this home
21470 SW 85th Path, Cutler Bay FL 33189
This beautiful corner unit has been custom upgraded. Seated in the lovely gated community of Santa Barbara, has 3 Bedrooms & 2.5 Baths, double sinks, walk in closet, family room, renovated kitchen, stainless steel appliances, spacious open floorplan, modern LED lighting, and a fenced concrete private patio ready to have your family & friends over for a BBQ day. 1 car garage & space for parking 2 more cars in front of the property. HOA includes trash removal, common areas, security and access to swimming pool, playground area and clubhouse. Its convenient location provides easy access to major highways, hospitals, restaurants, stores & great schools. MOTIVATED SELLER. Set up your showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,504
Sqft
1
Garage
2004
Year built
$316
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.
$3,830 /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
$3,830/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
+19.2%
$/sqft vs Cutler Bay actives
$316 vs $322
Days on market
177 vs 56 typical
Where $316/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 33189 — neighborhood snapshot
Population
24,627
Median age
41.9
Median income
$66,487
Median home value
$409,500
Avg household
2.87
Households w/ children
3,152
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 91% above the CUTLER BAY 33189 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 21470 SW 85th Path
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$399,000
8560 SW 214th Way, Cutler Bay FL 33189 · same community
3 bd · 2.5 ba · 1,504 sqft · $265/sqft · 5 DOM
Sold · Mar ’26$430,000
21460 SW 85th Passage, Cutler Bay FL 33189 · same community
3 bd · 2.5 ba · 1,504 sqft · $286/sqft · 230 DOM
Sold · Nov ’25$459,000
8559 SW 214th Ln, Cutler Bay FL 33189 · same community
3 bd · 2.5 ba · 1,295 sqft · $354/sqft · 42 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 21470 SW 85th Path — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21470 SW 85th Path — 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
21470 SW 85th Path FAQs
What would the monthly payment be for 21470 SW 85th Path, Cutler Bay FL 33189?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,830/mo — principal and interest, the actual property-tax bill, the $251/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 21470 SW 85th Path, Cutler Bay FL 33189?+
The association fee works out to $251 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21470 SW 85th Path, Cutler Bay FL 33189?+
The most recent tax bill on record (2025) was $4,956. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 21470 SW 85th Path, Cutler Bay FL 33189?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Cutler Bay?+
At $475,000, this home is listed about 17% 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 21470 SW 85th Path, Cutler Bay FL 33189?+
Miami Southridge Senior High (high), Bel-Aire Elementary School (elementary), Cutler Bay Middle (middle), 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
Three things that matter here
01Positioned at the premium end
$475,000 runs 91% above the CUTLER BAY 33189 median.
02Other View views
The other view view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
177 days on market against a Cutler Bay median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Lifestyle International Realty · Rolando Pinillos Stuart. MLS #A11966701.
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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