9982 SW 196th St, Cutler Bay FL 33157, CUTLER BAY, FL, 33157
Active68 days on marketListed Jun 10, 2026MLS #A12035144
About this home
9982 SW 196th St, Cutler Bay FL 33157
Welcome home to one of Cutler Bay's most desirable communities! This beautifully updated property offers the perfect combination of comfort, lifestyle, and investment potential. Featuring a fully renovated kitchen, new flooring throughout, a 2022 roof, and a private pool, this home is truly move-in ready and designed for enjoying South Florida living year-round. Located in a quiet, family-friendly neighborhood with NO HOA, you'll enjoy the freedom of homeownership without additional restrictions or fees. The area is known for its strong sense of community, excellent residential appeal, and consistent property appreciation, making it an outstanding opportunity for both first-time homebuyers and savvy investors. Conveniently situated just minutes from the Florida Turnpike, US-1, top-rated medical facilities, shopping centers, restaurants, parks, and everyday conveniences, this location offers the perfect balance between accessibility and tranquility. Imagine hosting family gatherings in your spacious backyard, relaxing by the pool on sunny Florida afternoons, and creating lasting memories in a home that has already undergone major updates. With strong market demand, a highly desirable location, and valuable upgrades already completed, this property offers not only a beautiful place to live but also an exceptional long-term investment.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,331
Sqft
1967
Year built
$462
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.
$3,944 /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
$3,944/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
+7%
$/sqft vs Cutler Bay actives
$462 vs $321
Days on market
68 vs 56 typical
Where $462/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 34% 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 9982 SW 196th 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 9982 SW 196th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9982 SW 196th 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
9982 SW 196th St FAQs
What would the monthly payment be for 9982 SW 196th St, Cutler Bay FL 33157?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,944/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 9982 SW 196th St, Cutler Bay FL 33157?+
The most recent tax bill on record (2025) was $2,814. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Cutler Bay?+
At $615,000, this home is listed about 7% 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 9982 SW 196th 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
Three things that matter here
01Positioned at the premium end
$615,000 runs 34% 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.
03The price has already moved
Listed at $630,000, now $615,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Realty One Group Evolution · Joselyn Zelaya. MLS #A12035144.
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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