20765 SW 89th Ave, Cutler Bay FL 33189, CUTLER BAY, FL, 33189
Active40 days on marketListed Jul 7, 2026MLS #A12049872
About this home
20765 SW 89th Ave, Cutler Bay FL 33189
Wonderful opportunity to rent this stunning 5-bedroom, 3-bathroom gem nestled in the peaceful, sought-after Cantamar subdivision. Blending spacious design with everyday convenience, this turnkey property will be completely ready for tenants to move right in on August 15, 2026. A beautiful entryway staircase welcomes you home, where soaring high ceilings and massive windows flood the space with natural light. A large, open kitchen and dedicated dining area make dinnertime an enjoyable experience for family and guests. Enjoy the inviting master suite, which features a personal balcony, a huge walk-in closet, an oversized shower, and a deep, relaxing Jacuzzi tub. The property also boasts a stunning three-car garage with plenty of storage, large bedroom on the ground level, and a secluded backyard perfect for quiet mornings or weekend relaxation. It is minutes away from shopping centers and restaurants, offering easy access to the Florida Turnpike and more. *Currently showing on Tuesdays, Thursdays and Saturdays by appointments only, 24-hour notice required* Call the listing agent for more information.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,962
Sqft
3
Garage
2006
Year built
$2
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.
$193 /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
$193/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
$2 vs $322
Days on market
40 vs 56 typical
Where $2/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 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 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 98% 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 20765 SW 89th Ave
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$850,000
8732 SW 204th Ln, Cutler Bay FL 33189 · same community
5 bd · 3 ba · 2,962 sqft · $287/sqft · 0 DOM
Sold · May ’26$815,000
20671 SW 87th Ct, Cutler Bay FL 33189 · same community
4 bd · 3 ba · 2,934 sqft · $278/sqft · 32 DOM
Sold · May ’26$745,000
20615 SW 89th Ave, Cutler Bay FL 33189 · same community
4 bd · 3 ba · 2,934 sqft · $254/sqft · 118 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 20765 SW 89th Ave — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20765 SW 89th 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
20765 SW 89th Ave FAQs
What would the monthly payment be for 20765 SW 89th Ave, Cutler Bay FL 33189?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $193/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.
How does the price compare to other homes in Cutler Bay?+
At $4,490, 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 20765 SW 89th Ave, 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.
Keep looking
Similar homes nearby
Listing courtesy of Keller Williams Realty Premier Properties · Yalian Serrano. MLS #A12049872.
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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