25123 SW 118th Place, Cutler Bay FL 33032, CUTLER BAY, FL, 33032
Active335 days on marketListed Sep 18, 2025MLS #F10527403
About this home
25123 SW 118th Place, Cutler Bay FL 33032
Beautiful 4-bedroom, 2-bath home offering over 2,200 sq ft in the desirable Hemingway Point community of Cutler Bay. This residence features a spacious kitchen with wood cabinetry, granite countertops, stainless steel appliances, and an open layout perfect for entertaining. Enjoy a private backyard ideal for gatherings and relaxing South Florida evenings. Just minutes from Black Point Marina and boat ramps—perfect for boating, fishing, and waterfront dining at the famous Black Point Ocean Grill. Conveniently located near the Florida Turnpike for easy access to Miami, Coral Gables, and the Florida Keys. Close to parks, scenic Biscayne Bay, shopping, restaurants, and top-rated schools. A rare opportunity to enjoy the ultimate South Florida lifestyle in a prime location.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,829
Sqft
2
Garage
2016
Year built
1
Levels
$321
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.
$4,402 /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
$4,402/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.
$/sqft vs Cutler Bay actives
$321 vs $322
Days on market
335 vs 56 typical
Where $321/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 33032 — neighborhood snapshot
Population
62,021
Median age
33.5
Median income
$74,995
Median home value
$374,700
Avg household
3.38
Households w/ children
9,136
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 47% above the CUTLER BAY 33032 median. See the full Cutler Bay market guide →
Paper trail
This home's history
Reality check
What actually sold near 25123 SW 118th Place
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$432,000
11868 SW 253rd St, Homestead FL 33032 · same community
4 bd · 2 ba · 1,877 sqft · $230/sqft · 41 DOM
Sold · Apr ’26$543,000
11943 SW 253rd St, Homestead FL 33032 · same community
3 bd · 2 ba · 1,684 sqft · $322/sqft · 55 DOM
Sold · Jun ’26$560,000
11866 SW 253rd Ter, Homestead FL 33032 · same community
3 bd · 2 ba · 1,684 sqft · $333/sqft · 66 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 25123 SW 118th Place — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 25123 SW 118th Place — 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
25123 SW 118th Place FAQs
What would the monthly payment be for 25123 SW 118th Place, Cutler Bay FL 33032?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,402/mo — principal and interest, the actual property-tax bill, the $80/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 25123 SW 118th Place, Cutler Bay FL 33032?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 25123 SW 118th Place, Cutler Bay FL 33032?+
The most recent tax bill on record (2024) was $9,299. 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 25123 SW 118th Place, Cutler Bay FL 33032?+
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 $587,000, this home is listed about 2% 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 25123 SW 118th Place, Cutler Bay FL 33032?+
Coconut Palm K-8 Academy (elementary), Title I Migrant Education Program (), Redland Middle School (middle), Homestead Senior High School (high), 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
Four things that matter here
01Positioned at the premium end
$587,000 runs 47% above the CUTLER BAY 33032 median — but at 1,829 sqft it's also 25% larger than the typical Cutler Bay listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
335 days on market against a Cutler Bay median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $600,000, now $587,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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