8380 SW 186 St, Cutler Bay FL 33157, CUTLER BAY, FL, 33157
Active96 days on marketListed May 14, 2026MLS #A12018713
About this home
8380 SW 186 St, Cutler Bay FL 33157
Experience refined living in this exceptional residence in Cutler Bay, gracefully positioned near a quiet cul-de-sac on an impressive 17,160-square-foot lot. Thoughtfully curated with sophisticated finishes and timeless design elements, this home offers an unparalleled blend of comfort and elegance. The heart of the home is a beautifully appointed chef’s kitchen featuring quartz countertops, premium stainless steel appliances, and seamless flow into the expansive living spaces. Dramatic wood-beam ceilings soar above the main living area, while designer lighting and a well-conceived floor plan create an atmosphere that is both inviting and elevated. Step outside into your own private oasis, where lush tropical landscaping surrounds a sparkling pool designed for effortless entertaining and serene outdoor living. Recent enhancements include a sleek aluminum roof installed approximately three years ago, as well as imported Chicago brick detailing that adds character and distinction to both the front and rear exterior spaces. Ideally located near Palmer Trinity School and moments from Old Cutler Road, this remarkable property offers convenience, prestige, and privacy — all without the constraints of a homeowner’s association.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,344
Sqft
2
Garage
1969
Year built
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$203 /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
$203/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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.
$/sqft vs Cutler Bay actives
$3 vs $322
Days on market
96 vs 56 typical
Where $3/sqft sits among the 224 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 224
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 99% below the CUTLER BAY 33157 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 8380 SW 186 St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$650,000
20004 SW 82nd Pl, Cutler Bay FL 33189
4 bd · 2 ba · 2,290 sqft · $284/sqft · 13 DOM
Sold · Sep ’25$690,000
8671 SW 200th St, Cutler Bay FL 33189
4 bd · 2 ba · 2,259 sqft · $305/sqft · 20 DOM
Sold · May ’26$585,000
9000 SW 202nd Ter, Cutler Bay FL 33189
4 bd · 3 ba · 2,180 sqft · $268/sqft · 7 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 8380 SW 186 St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8380 SW 186 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
8380 SW 186 St FAQs
What would the monthly payment be for 8380 SW 186 St, Cutler Bay FL 33157?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $203/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.
Are pets allowed at 8380 SW 186 St, Cutler Bay FL 33157?+
The listing reports pets: No. 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 $6,000, this home is listed about 99% 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 8380 SW 186 St, 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
01Under the CUTLER BAY 33157 market on paper
$6,000 is 99% below the CUTLER BAY 33157 median of $459,000, and at $3/sqft it sits under the Cutler Bay average of $349.
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 Serhant · Richard Greenfield. MLS #A12018713.
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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