21808 SW 99th Ave, Cutler Bay, FL, 33190
About This Home
Beautifully updated 3-bedroom, 2-bath, two-story single-family home in Cutler Bay's Lakes by the Bay/Saga Bay area. Features include a new roof, new floors, quartz countertops with matching backsplash, and new appliances. Bright main living areas, updated kitchen finishes, comfortable bedrooms, and an enclosed porch/patio space for extra indoor-outdoor living. Convenient South Dade location near neighborhood parks, shopping, schools, and Black Point Park & Marina.
Getting Around
Car-Dependent
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1985
Materials
- Roof: Shingle
- Construction materials: Concrete Block Construction
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Refrigerator
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- Flooring: Vinyl
Heating & Cooling
- Heating features: Central
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 2,174
- Total interior livable area: 1,650 sqft
Property
Details
- Parcel number: 3660170080710
- Zoning: 0100
Features
- Stories: 2
- Entry location: First Floor Entry
- Pool features: R30-No Pool/No Water,Community
- Patio & porch: Patio,Screened Porch,Glass Enclosed
- Fencing: Fenced
- Has view: Yes
- View description: None
Lot
- Lot size: 3,550 sqft
- Features: Less Than 1/4 Acre Lot,Regular Lot
Parking
- Total spaces: 2
- Parking features: Driveway
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Heat Wave
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Miami-Dade County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,700 | $32,400 |
| Home Insurance * | $150 | $1,800 |
| Property Taxes | $802 | $9,624 |
| Electricity | $197 | $2,366 |
| Total | $3,849 | $46,188 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-16 | Price change | $534,000 |
| 2026-06-19 | Listed for sale | $540,000 |
| 2026-02-12 | Sold | $390,000 |
| 2026-01-20 | Pending sale | $475,000 |
| 2025-12-23 | Listed for sale | $475,000 |
| 2025-12-12 | Pending sale | $475,000 |
| 2025-11-26 | Price change | $475,000 |
| 2025-11-05 | Listed for sale | $510,000 |
| 2001-02-16 | Sold | $108,000 |
| 2000-09-26 | Sold | $89,500 |
| 2000-06-13 | Sold | $55,100 |
| 1994-05-23 | Sold | $9,400 |
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