10445 SW 226th St

Cutler Bay, FL 33190

$699,900

$215/ft²

5Beds

3Baths

3,256Sq ft

2013Year built

Single-family homeType

About this home

**Exceptional value in the highly desirable Enclave at Black Point Marina!** This spacious two-story residence offers 3,726 total square feet with a versatile floor plan designed for today's lifestyle. The first-floor bedroom and full bathroom are ideal for guests, multigenerational living, or a private home office. Bright living and dining areas flow into a spacious kitchen featuring stainless steel appliances, wood cabinetry, and a breakfast nook. Upstairs you'll find an oversized primary suite with a walk-in closet plus three additional bedrooms. Tile and laminate flooring throughout. Enjoy a screened patio, fenced backyard, and a renovated flame-safe certified Tiki hut—perfect for outdoor entertaining. Additional features include impact-rated front entry and garage doors, automatic garage door opener, two A/C units (one replaced in 2022), gutters, **historically low electricity costs according to the seller**, and a low HOA fee of only $80/month. Conveniently located near Black Point Marina, Homestead Air Reserve Base, shopping, restaurants, parks, schools, hospitals, and major highways. Easy to show.

Property details

Listing

MLS #: A12056333
Status: For sale
Listed on: Jul 20, 2026
Days on market: 21 days
Listing data updated: Aug 8, 2026

Interior

Beds: 5
Baths: 3
Living area: 3,256 ft²
Price per ft²: $215/ft²

Building & community

Type: Single-family home
Year built: 2013
HOA fee: $80/mo
County: Miami-Dade

Lot & exterior

Lot size: 5,000 ft²

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $3,539
Property taxes (est.): $642
Home insurance (est.): $433
Flood insurance (est.): —
HOA fee: $80

Estimated total$4,694*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?