8770 SW 204th St, Cutler Bay FL 33189, CUTLER BAY, FL, 33189
Active32 days on marketListed Jul 15, 2026MLS #A12054540
About this home
8770 SW 204th St, Cutler Bay FL 33189
Welcome to this cozy and beautifully renovated Cantamar home in the heart of Cutler Bay, where comfort and modern style come together. Filled with natural light, the open-concept living areas flow effortlessly into a contemporary kitchen featuring quality appliances, custom cabinetry, and generous counter space, creating the perfect setting for everyday living and entertaining. The spacious primary bedroom offers a peaceful retreat with a beautifully renovated, spa-inspired bathroom and a generous walk-in closet with abundant storage for two. Step outside to a fully fenced backyard designed for making memories, whether you're hosting family gatherings, weekend barbecues, or celebrating special occasions with friends. Impact windows on the second floor provide added security and peace of mind. Ideally located near parks, shopping, schools, dining, and major roadways, this move-in-ready home offers the perfect blend of warmth, style, and convenience.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,670
Sqft
2
Garage
2005
Year built
$298
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.
$5,295 /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
$5,295/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
−10.1%
$/sqft vs Cutler Bay actives
$298 vs $322
Days on market
32 vs 56 typical
Where $298/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 219% above the CUTLER BAY 33189 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 8770 SW 204th St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
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
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 8770 SW 204th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8770 SW 204th 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
8770 SW 204th St FAQs
What would the monthly payment be for 8770 SW 204th St, Cutler Bay FL 33189?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,295/mo — principal and interest, the actual property-tax bill, the $60/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 8770 SW 204th St, Cutler Bay FL 33189?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8770 SW 204th St, Cutler Bay FL 33189?+
The most recent tax bill on record (2025) was $5,851. 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 $795,000, this home is listed about 38% 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 8770 SW 204th St, 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 International Lifestyles · Martha Claudia Merino. MLS #A12054540.
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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