8895 SW 184th Ter, Cutler Bay FL 33157, CUTLER BAY, FL, 33157
Active107 days on marketListed May 3, 2026MLS #A12012119
About this home
8895 SW 184th Ter, Cutler Bay FL 33157
rare opportunity in Cutler Bay where space, privacy, and lifestyle come together on an expansive 0.39-acre lot. This well-maintained residence features a bright, open layout filled with natural light, creating a warm and inviting atmosphere for everyday living and effortless entertaining. Impact windows add comfort, efficiency, and peace of mind throughout the home. Step outside to your own private backyard retreat with a sparkling pool and generous patio space—perfect for relaxing weekends or hosting guests while enjoying the South Florida lifestyle. The home is move-in ready, while also offering the opportunity to personalize and elevate over time to match your own style and vision. Set on an oversized lot, the property provides both privacy and long-term potential—an increasingly rare combination in today’s market. With no HOA, enjoy added freedom and flexibility rarely found in this area. Ideally located in a quiet residential setting with convenient access to major roads, shopping, dining, and schools, this property presents a unique blend of immediate livability and future upside. Opportunities like this—where space, flexibility, and lifestyle align—are becoming increasingly limited.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,826
Sqft
2
Garage
1978
Year built
$537
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.
$6,163 /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
$6,163/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
+23%
$/sqft vs Cutler Bay actives
$537 vs $321
Days on market
107 vs 56 typical
Where $537/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 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)
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 114% 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 8895 SW 184th Ter
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$890,000
18462 SW 88th Pl, Cutler Bay FL 33157 · same community
3 bd · 2 ba · 1,826 sqft · $487/sqft · 5 DOM
Sold · Jul ’26$775,000
18425 SW 87th Ct, Cutler Bay FL 33157 · same community
4 bd · 3 ba · 2,202 sqft · $352/sqft · 7 DOM
Sold · Apr ’26$625,000
18422 SW 87th Place, Cutler Bay FL 33157 · same community
3 bd · 2 ba · 2,408 sqft · $260/sqft · 14 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 8895 SW 184th Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8895 SW 184th Ter — 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
8895 SW 184th Ter FAQs
What would the monthly payment be for 8895 SW 184th Ter, Cutler Bay FL 33157?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,163/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 8895 SW 184th Ter, Cutler Bay FL 33157?+
The most recent tax bill on record (2025) was $4,174. 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 8895 SW 184th Ter, 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 $980,000, this home is listed about 71% 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 8895 SW 184th Ter, 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
Three things that matter here
01Positioned at the premium end
$980,000 runs 114% above the CUTLER BAY 33157 median — but at 1,826 sqft it's also 25% larger than the typical Cutler Bay listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of Keller Williams Realty Premier Properties · Cagla Gumusgerdan. MLS #A12012119.
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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