8144 SW 205th Ter
Cutler Bay, FL 33189
$750,000
$408/ft²
About this home
Welcome to Saga Bay, one of Cutler Bay’s most desirable communities, where an active outdoor lifestyle meets everyday convenience. Situated on a beautifully maintained 9,583 sq ft corner lot, this updated 3 bedroom, 2 bath residence offers a spacious, open-concept layout plus a versatile flex room that can easily serve as a guest bedroom, home office, gym, or media room. Inside, you’ll find neutral wood-look tile flooring throughout, generous living and dining spaces, and a beautifully updated kitchen featuring newer appliances, a large island, and seamless views of the backyard, perfect for both everyday living and entertaining. The expansive covered terrace with a built-in summer kitchen/bar overlooks the sparkling pool and oversized yard, creating the ideal setting for weekend gatherings or relaxing year-round. The 2-car garage, and gated side access provide plenty of room to park a boat, RV, or other recreational toys. The roof was replaced approximately 9 years ago, and the home features partial impact windows with accordion shutters protecting the remaining openings for added peace of mind. Enjoy everything Saga Bay has to offer, including private lake access with a beach area, scenic walking paths, parks, tennis and pickleball courts, playgrounds, and a true sense of community. Just minutes from Black Point Marina, waterfront dining, shopping, and schools, this exceptional home offers the perfect balance of comfort, convenience, and outdoor living.
Property details
Listing
- MLS #
- A12073270
- Status
- For sale
- Listed on
- Aug 19, 2026
- Days on market
- 8 days
- Listing data updated
- Aug 26, 2026
Interior
- Beds
- 3
- Baths
- 2
- Living area
- 1,840 ft²
- Price per ft²
- $408/ft²
Building & community
- Type
- Single-family home
- Year built
- 1974
- HOA fee
- $60/mo
- County
- Miami-Dade
Lot & exterior
- Lot size
- 9,583 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.
What's nearby
- Elementary school
- DR. EDWARD L. WHIGHAM ELEMENTARY SCHOOL · 0.9 mi away
- Middle school
- MATER ACADEMY BAY MIDDLE SCHOOL · 1.1 mi away
- High school
- CUTLER BAY SENIOR HIGH SCHOOL · 0.6 mi away
- Transit
- SW 82 AV@SW 208 ST · 0.1 mi away
- Supermarket
- Publix · 0.8 mi away
- Park
- Saga Bay Park · 0.2 mi away
- Pharmacy
- Publix · 0.8 mi away
Straight-line distances · Sources: NCES/FL DOE, GTFS Miami-Dade and Broward, OpenStreetMap
True monthly cost
- Mortgage (principal & interest)
- $3,792
- Property taxes (est.)
- $688
- Home insurance (est.)
- $433
- Flood insurance (est.)
- —
- HOA fee
- $60
Estimated total$4,973*/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?
Location
Mortgage calculator
$3,792/moEstimated principal & interest. Taxes, insurance, and HOA are not included. This is an estimate, not a quote or financial advice.
This listing is courtesy of Miami Portfolio Collection.
Lori Lopez · 786-368-1317 · lori.lopez@kw.com · 305-570-4305
Data deemed reliable, but is not guaranteed accurate by MIAMI REALTORS®.
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