9837 SW 194th St, Cutler Bay FL 33157, CUTLER BAY, FL, 33157
Active124 days on marketListed Apr 16, 2026MLS #A12002574
About this home
9837 SW 194th St, Cutler Bay FL 33157
Stunning Tropical Retreat in Cutler Bay – Resort-Style Living at Its Finest! Welcome to this beautifully upgraded 3-bedroom, 2-bathroom single-family home offering over 1,600 sq ft of elegant living space. This move-in ready residence combines quality upgrades, timeless finishes, and an outdoor oasis that truly sets it apart. Inside, the home features travertine floors throughout, creating a seamless and upscale feel. The open-concept kitchen and dining area is perfect for modern living and entertaining, complemented by stainless steel appliances (2024). The spacious primary suite offers a relaxing retreat, highlighted by a spa-style Jacuzzi jet tub for ultimate comfort. Step outside into your private paradise—featuring a custom lagoon-style pool with waterfall spa, surrounded by lush tropical landscaping and custom hardscaping. Entertain effortlessly under the authentic tiki hut with a fully equipped outdoor kitchen, complete with built-in grill, sink, and bar seating. The backyard showcases unique craftsmanship with custom wood-style concrete features, seating areas, and tranquil garden pathways, creating a one-of-a-kind ambiance. Additional upgrades include a new A/C system (2024), roof replaced in 2015, and a whole-house Generac backup gas generator that powers the entire home, providing security and peace of mind year-round. Ideally located near top-rated schools, parks, shopping, and major highways. Must be seen to be fully appreciated!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,666
Sqft
1
Garage
1967
Year built
$429
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 — not generic estimates.
$4,713 /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
$4,713/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
+6.3%
$/sqft vs Cutler Bay actives
$429 vs $321
Days on market
124 vs 56 typical
Where $429/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 Bel Aire
Get to know Cutler Bay. See the full Cutler Bay guide →
Bel Aire — neighborhood snapshot
Population
4,049
Median age
38
Median income
$78,376
Median home value
$360,591
Avg household
3
Households w/ children
440
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 56% 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 9837 SW 194th St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$755,000
18931 SW 97th Ave, Cutler Bay FL 33157 · same community
4 bd · 2 ba · 1,666 sqft · $453/sqft · 16 DOM
Sold · May ’26$647,500
19030 Bel Aire Dr, Cutler Bay FL 33157 · same community
4 bd · 2 ba · 1,837 sqft · $352/sqft · 31 DOM
Sold · Oct ’25$624,900
18901 SW 97th Ave, Cutler Bay FL 33157 · same community
4 bd · 2.5 ba · 1,930 sqft · $324/sqft · 67 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 9837 SW 194th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9837 SW 194th 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
9837 SW 194th St FAQs
What would the monthly payment be for 9837 SW 194th St, Cutler Bay FL 33157?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,713/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 9837 SW 194th St, Cutler Bay FL 33157?+
The most recent tax bill on record (2025) was $5,121. 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 9837 SW 194th St, Cutler Bay FL 33157?+
The listing reports pets: Yes. 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 $715,000, this home is listed about 25% 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 9837 SW 194th St, Cutler Bay FL 33157?+
Bel-Aire 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
$715,000 runs 56% above the CUTLER BAY 33157 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
124 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 $825,000, now $715,000 — a $110K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Lifestyle International Realty · Brigitte Escartin. MLS #A12002574.
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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