21808 SW 99th Ave, Cutler Bay FL 33190, CUTLER BAY, FL, 33190
Active61 days on marketListed Jun 16, 2026MLS #A12038433
About this home
21808 SW 99th Ave, Cutler Bay FL 33190
Beautifully updated 3-bedroom, 2-bath, two-story single-family home in Cutler Bay's Lakes by the Bay/Saga Bay area. Features include a new roof, new floors, quartz countertops with matching backsplash, and new appliances. Bright main living areas, updated kitchen finishes, comfortable bedrooms, and an enclosed porch/patio space for extra indoor-outdoor living. Convenient South Dade location near neighborhood parks, shopping, schools, and Black Point Park & Marina.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,650
Sqft
2
Garage
1985
Year built
$324
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.
$3,860 /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
$3,860/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
−7.2%
$/sqft vs Cutler Bay actives
$324 vs $321
Days on market
61 vs 56 typical
Where $324/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 33190 — neighborhood snapshot
Population
17,280
Median age
35.1
Median income
$75,876
Median home value
$371,200
Avg household
3.13
Households w/ children
2,484
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)
24 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 57% above the CUTLER BAY 33190 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 21808 SW 99th Ave
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$620,000
9916 SW 218th Ter, Cutler Bay FL 33190 · same community
4 bd · 2.5 ba · 1,808 sqft · $343/sqft · 73 DOM
Sold · Aug ’25$440,000
21760 SW 99th Pl, Cutler Bay FL 33190 · same community
2 bd · 2 ba · 1,136 sqft · $387/sqft · 29 DOM
Sold · Jan ’26$440,000
23913 SW 108th Ct, Homestead FL 33032
3 bd · 2 ba · 1,644 sqft · $268/sqft · 17 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 21808 SW 99th Ave — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21808 SW 99th Ave — 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
21808 SW 99th Ave FAQs
What would the monthly payment be for 21808 SW 99th Ave, Cutler Bay FL 33190?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,860/mo — principal and interest, the actual property-tax bill, the $144/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 21808 SW 99th Ave, Cutler Bay FL 33190?+
The association fee works out to $144 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 21808 SW 99th Ave, Cutler Bay FL 33190?+
The most recent tax bill on record (2025) was $2,118. 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 $534,000, this home is listed about 7% 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 21808 SW 99th Ave, Cutler Bay FL 33190?+
Goulds 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
$534,000 runs 57% above the CUTLER BAY 33190 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 $540,000, now $534,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Realty Hub · Amgad Arafa. MLS #A12038433.
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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