8240 SW 210th St # 214, Cutler Bay FL 33189, CUTLER BAY, FL, 33189
Active106 days on marketListed May 5, 2026MLS #A12013048
About this home
8240 SW 210th St # 214, Cutler Bay FL 33189
Direct Water view, fully tiled condo with renovated kitchen and large living/dinning area with Balcony. SAGA BAY GARDEN is a secure community in Cutler Bay with pool, BBQ area, small fitness, Tennis Court... Building has elevator, laundry room , special assessment has been approved in Dec 2025 for new roof and owner will pay balance in Full at closing. Perfect for investor as it is rented to a nice couple at market price $1700 till July 31th 2026 next renewal date. Cap rate 9%
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
760
Sqft
1988
Year built
$250
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.
$2,065 /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
$2,065/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
−24%
$/sqft vs Cutler Bay actives
$250 vs $322
Days on market
106 vs 56 typical
Where $250/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 24% below the CUTLER BAY 33189 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 8240 SW 210th St # 214
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$298,000
22841 SW 88th Pl # 205, Cutler Bay FL 33190
2 bd · 2 ba · 809 sqft · $368/sqft · 133 DOM
Sold · Dec ’25$220,000
22541 SW 88th Pl # 6, Cutler Bay FL 33190
2 bd · 2 ba · 809 sqft · $272/sqft · 78 DOM
Sold · Feb ’26$260,000
22311 SW 88th Pl # 4, Cutler Bay FL 33190
2 bd · 2 ba · 809 sqft · $321/sqft · 18 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 8240 SW 210th St # 214 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8240 SW 210th St # 214 — 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
8240 SW 210th St # 214 FAQs
What would the monthly payment be for 8240 SW 210th St # 214, Cutler Bay FL 33189?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,065/mo — principal and interest, the actual property-tax bill, the $467/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 8240 SW 210th St # 214, Cutler Bay FL 33189?+
The association fee works out to $467 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8240 SW 210th St # 214, Cutler Bay FL 33189?+
The most recent tax bill on record (2025) was $2,828. 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 8240 SW 210th St # 214, 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 $190,000, this home is listed about 67% 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 8240 SW 210th St # 214, 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
01Under the CUTLER BAY 33189 market on paper
$190,000 is 24% below the CUTLER BAY 33189 median of $249,000, and at $250/sqft it sits under the Cutler Bay average of $349.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $195,000, now $190,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Miami Global Realty Inc · Olivier Lubeigt. MLS #A12013048.
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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