20943 SW 96th Ct, Cutler Bay FL 33189, CUTLER BAY, FL, 33189
Active122 days on marketListed Apr 17, 2026MLS #A12002851
About this home
20943 SW 96th Ct, Cutler Bay FL 33189
Nestled in the vibrant and rapidly growing community of Cutler Bay, this stunning residence offers an exceptional blend of comfort, style, and South Florida living. Boasting 5 generously sized bedrooms, 4 bathrooms, and a light-filled open-concept layout, the home is perfectly designed for both everyday living and entertaining. A beautifully appointed kitchen features white wood cabinetry, abundant counter space, and a welcoming layout ideal for both casual meals and culinary creativity. Amongst this picturesque neighborhood of tree-lined streets and tranquil lakes, residents enjoy a serene atmosphere with scenic walking paths, bike rides, and easy access to the iconic Old Cutler Road. Cutler Bay is known for its strong sense of community, excellent parks, and proximity to top-rated schools, making it an increasingly desirable destination for homeowners seeking both convenience and quality of life. Ideally located just minutes from premier outdoor and waterfront destinations such as Matheson Hammock Park, Black Point Marina, and Fairchild Tropical Botanic Garden, residents can enjoy boating, nature trails, and lush tropical landscapes year-round. With nearby shopping, dining, and entertainment options, plus convenient access to major roadways for an easy commute to downtown Miami, this home offers the perfect balance of tranquility and connectivity. Experience the best of Cutler Bay living—where coastal charm, natural beauty, and modern convenience come together effortlessly.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2
Garage
2026
Year built
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.
$5,642 /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
$6,513/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
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)
Median sold price, Cutler Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 282% 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 20943 SW 96th Ct
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$541,000
17855 SW 105th Ave, Miami FL 33157
4 bd · 2 ba · 1,152 sqft · $470/sqft · 139 DOM
Sold · Jan ’26$545,000
17331 SW 103rd Ave, Miami FL 33157
4 bd · 2 ba · 1,188 sqft · $459/sqft · 9 DOM
Sold · Mar ’26$520,000
17995 SW 105th Ave, Miami FL 33157
4 bd · 2 ba · 1,289 sqft · $403/sqft · 120 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 20943 SW 96th Ct — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20943 SW 96th Ct — 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
20943 SW 96th Ct FAQs
What would the monthly payment be for 20943 SW 96th Ct, Cutler Bay FL 33189?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,642/mo — principal and interest, estimated property taxes 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 20943 SW 96th Ct, Cutler Bay FL 33189?+
The most recent tax bill on record (2026) was $0. 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 20943 SW 96th Ct, Cutler Bay FL 33189?+
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 $949,990, 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 20943 SW 96th Ct, 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
Four things that matter here
01Positioned at the premium end
$949,990 runs 282% above the CUTLER BAY 33189 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
122 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 $964,990, now $949,990 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of United Real Estate Miami · Maria Penalver. MLS #A12002851.
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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