8620 SW 185th Ter

Cutler Bay, FL 33157

$825,000

$466/ft²

4Beds

2Baths

1,772Sq ft

1958Year built

Single-family homeType

About this home

NO FLOOD ZONE- Welcome to highly desirable North Cutler Bay & the perfect home for enjoying South Florida living! This beautifully maintained 4-bedroom, 2-bath home with a 2-car garage sits on a rare oversized 15,000 sq ft lot and features a screened-in pool and a fully fenced, private backyard—ideal for entertaining, relaxing poolside, or hosting family and friends. Inside, the home offers a spacious functional layout & includes a bedroom with its own private entrance on the opposite side of the home, perfect for guests, in-laws, or a home office. The expansive lot provides plenty of space for boats, RVs, and all your outdoor toys. A detached shed with electric offers excellent extra storage, workshop space, or potential office conversion. Lovingly cared for by the same owners for 25 years. Located in a highly desirable neighborhood close to A-rated schools and just minutes from Palmer Trinity School. Our community has many family events hosting golf cart parades, chili cook-offs, wing-fests and more. Located near downtown Cutler Bay, the Turnpike, and popular Black Point Marina. Bring your offers.

Property details

Listing

MLS #: A11979496
Status: For sale
Listed on: Mar 9, 2026
Days on market: 154 days
Listing data updated: Aug 8, 2026

Interior

Beds: 4
Baths: 2
Living area: 1,772 ft²
Price per ft²: $466/ft²

Building & community

Type: Single-family home
Year built: 1958
County: Miami-Dade

Lot & exterior

Lot size: 15,000 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): $4,172
Property taxes (est.): $757
Home insurance (est.): $600
Flood insurance (est.): —

Estimated total$5,529*/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?