9928 SW 228th Terrace, Cutler Bay FL 33190, CUTLER BAY, FL, 33190
Active33 days on marketListed Jul 16, 2026MLS #A12054641
About this home
9928 SW 228th Terrace, Cutler Bay FL 33190
Beautiful townhouse in Cutler Bay featuring 3 bedrooms, 2.5 bathrooms, and 1,362 sqft of living space. This well-maintained home offers a spacious layout, modern kitchen, comfortable living areas, and a private patio perfect for relaxing or entertaining Donveniently located near parks, shopping, dining, and major highways.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2022
Year built
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.
$3,975 /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
$3,975/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.
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)
Median sold price, Cutler Bay, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% 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 9928 SW 228th Terrace
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$335,000
23731 SW 110th Ave, Miami FL 33032
2 bd · 2 ba · 1,130 sqft · $296/sqft · 43 DOM
Sold · Dec ’25$252,500
10973 SW 238TH TERR, Homestead FL 33032
3 bd · 2 ba · 1,205 sqft · $210/sqft · 12 DOM
Sold · Feb ’26$349,900
10973 SW 238th Ter, Miami FL 33032
3 bd · 2 ba · 1,216 sqft · $288/sqft · 6 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 9928 SW 228th Terrace — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9928 SW 228th Terrace — 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
9928 SW 228th Terrace FAQs
What would the monthly payment be for 9928 SW 228th Terrace, Cutler Bay FL 33190?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,975/mo — principal and interest, the actual property-tax bill, the $235/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 9928 SW 228th Terrace, Cutler Bay FL 33190?+
The association fee works out to $235 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9928 SW 228th Terrace, Cutler Bay FL 33190?+
The most recent tax bill on record (2024) was $8,784. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9928 SW 228th Terrace, Cutler Bay FL 33190?+
The listing reports pets: Yes. 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 $450,000, this home is listed about 22% 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 9928 SW 228th Terrace, 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.
Keep looking
Similar homes nearby
Listing courtesy of Avanti Way Realty LLC · David Serfaty. MLS #A12054641.
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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