For sale

$550,000

Est. $3,925/mo —

•

1,510

sq ft

20315 SW 86th Ct, Cutler Bay, FL 33189

About this home

Welcome to a rare lakefront opportunity in the heart of Cutler Bay! Nestled on a quiet cul-de-sac within a very private gated community, this 3-bedroom, 2-bathroom home offers beautiful lake views, a spacious backyard, and endless potential to create a home that truly reflects your style. Enjoy peaceful mornings overlooking the water, entertain family and friends on the private terrace, or transform the outdoor space into your own personal waterfront oasis. The community is enhanced by expansive open common areas and beautifully maintained green spaces, creating a peaceful, spacious setting with plenty of room to enjoy the outdoors. With a desirable location near schools, parks, Publix, shopping, dining, and major roadways, this property offers the perfect combination of privacy, convenience, and lakeside living. Whether you’re looking for your next home or an opportunity to add value through personalized updates, this property is ready for your vision. Bring your ideas and make this Cutler Bay lakefront gem your own!

Single-familyProperty Type

1989Year Built

4,060 sq ftLot Size

$364Price/Sq.Ft.

$150/moHOA Dues

1 spaceParking

Listed by Linsayd Avila • The Lab Realty Group, LLC

•786-270-6959 (agent)

•La@thelabrg.com (agent)

•786-791-7433 (broker)

•thelabrg@gmail.com (broker)

Listing updated: Sep 12, 2026 at 05:50pm

Redfin checked: 2 minutes ago

•Source:MARMLS #A12082786

Payment calculator

$3,925 per month

Principal and interest$3,077

Property taxes

HOA dues

Home insurance

Utilities

5 minutes to get started. No credit impact.

Affordability tools

See this home in person

This home is unavailable to tour on this day.

Next available date: Saturday, October 10

Open houses

No upcoming open houses.

Nearby open houses (10)

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5 beds3 baths2,686 sq ft
28155 SW 166th Ct, Homestead, FL 33033
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OPEN SAT, 12PM TO 3PM
$649,000
3 beds2 baths1,542 sq ft
19715 SW 87th Pl, Cutler Bay, FL 33157
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OPEN SAT, 1PM TO 3PM
$1,095,000
3 beds2 baths1,569 sq ft
13820 SW 74th Ct, Palmetto Bay, FL 33158
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4 beds2.5 baths2,069 sq ft
5312 SW 151st Pl, Miami, FL 33185
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OPEN SUN, 12PM TO 2PMVIDEO TOUR
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3 beds2 baths1,561 sq ft
9064 SW 215th Ter, Cutler Bay, FL 33189
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3 beds2 baths3,206 sq ft
7914 SW 199th Ter, Cutler Bay, FL 33189
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OPEN OCT 18, 12PM TO 3PM
$445,000
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Around this home

Schools

K - 12
Preschool & daycare

Dr. Edward L. Whigham Elementary School

Public PreK-5 • Assigned • 0.9mi

5/10

Cutler Bay Middle

Public 6-8 • Assigned • 1.4mi

5/10

Miami Southridge Senior High School

Public 8-12 • Assigned • 2.9mi

3/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Market insights

20315 SW 86th Ct · $550,000

DAYS ON MARKET

The average home goes pending in 74 days.

SALE-TO-LIST

Most homes are selling 4% below list price.

LIST PRICE

Median list price in this area is $716,589. (30% higher than this home)

PRICE DROP

17% of homes in this area have had a price drop in the past month.

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Bedroom on main level
First floor entry
Converted garage

Bedrooms
Bedroom located on the main level

Bathrooms
2 full bathrooms

Kitchen
Dishwasher
Electric range
Refrigerator

Flooring
Ceramic tile

Heating & cooling
Central heating
Electric cooling

Sale and tax history for 20315 SW 86th Ct

Sale History
Tax History

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

4,060 Sq. Ft.

Year renovated

1989

Finished Sq. Ft.

1,510

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,510

Year built

1989

Style

Single Family Residential

County

Miami-Dade County

APN

3660100160140

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Sep 19, 2026.

Single-Family Residential District

The single-family residential district is coded to permit development of new or the completion of previously approved development of lands within the district and/or annexation of conventional single-family residential subdivisions existing or approved prior to the effective date of these regulations.

Permitted uses

Include but are not limited to:

Housing-Group
Housing-Single unit

Climate risks

9/10 Flood Factor

Estimated 80%+ chance of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

10/10 Heat Factor

7 days above 104° expected this year, 31 days in 30 years

10/10 Wind Factor

99% chance of strong winds in next 30 years

2/10 Air Factor

1 unhealthy days expected this year, 1 days in 30 years

Provided by First Street

Historical weather

Cutler Bay, FL • 33189

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

85/ 100

Very good sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

9.1 hrs

5.8 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 20315 SW 86th Ct

$541,010

$8,990 under list price of $550K

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $535K to $650K.

SOLD SEP 14, 2026
$625,000 Last sold price
3 beds2 baths1,524 sq ft
19622 SW 87th Ct, Cutler Bay, FL 33157
$46/sq ft
larger lot
10 years newer
SOLD SEP 30, 2026
$580,000 Last sold price
3 beds2 baths1,420 sq ft
21505 SW 89th Path, Cutler Bay, FL 33189
$44/sq ft
larger lot
17 years newer
SOLD JUL 29, 2026
$585,000 Last sold price
3 beds2 baths1,369 sq ft
21105 SW 89th Pl, Cutler Bay, FL 33189
$63/sq ft
larger lot
16 years newer
SOLD SEP 22, 2026
$580,000 Last sold price
4 beds2 baths1,861 sq ft
9110 SW 200 St, Cutler Bay, FL 33157
$52/sq ft
larger lot
15 years older
SOLD AUG 24, 2026
$650,000 Last sold price
4 beds2 baths1,972 sq ft
8121 SW 205th St, Cutler Bay, FL 33189
$34/sq ft
larger lot
16 years older
SOLD JUN 22, 2026
$535,000 Last sold price
3 beds2 baths1,877 sq ft
20401 SW 83rd Ave, Cutler Bay, FL 33189
$79/sq ft
larger lot
16 years older

Rental earnings

Est. $3,234 per month, based on comparable rentals

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