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Property photos —
Price reducedMLS listing sourceMIAMI REALTORS® MLS
Price reducedMLS® A11979496
$799,000

↓ Price reduced $57,000 on Sep 22, 2026

8620 SW 185th Terrace, Cutler Bay, FL 33157

Beds
4
Baths
2
Sqft
1,772
Est. payment$4,878/mo
Home type
Single Family Residence
Year built
1958
Lot size
14,810 sqft
Price / sqft
$451
HOA
$0/mo
Community
WHISPERING PINES ESTATES

Property description

MAJOR PRICE IMPROVEMENT- NOW $799,000! 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.

Listing activity

Days on market
199
Listed
Mar 9, 2026
MLS listing updated
Sep 24, 2026
Feed last checked
3 minutes ago

Listed by Nicole Renate Black · Cutler Realty, Inc.

Map

Map location is based on MLS-supplied coordinates. Verify the location before relying on it.

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms
4
Bathrooms
2
Bathrooms (decimal)
2
Full bathrooms
2
Half bathrooms
0

Rooms & features

Rooms
1
Interior features
Other
Flooring
Terrazzo, Tile, Wood
Appliances
Dishwasher, Electric Range, Microwave, Refrigerator

Heating & cooling

Heating
None
Cooling
Ceiling Fan(s), Central Air, Electric
Property

Parking

Garage spaces
2
Garage
Yes
Covered spaces
2
Parking features
Driveway
Attached garage
No

Exterior

Stories
1
Building area
2,916 sqft
Entry level
1
Patio & porch
Porch - Screened, Porch
Exterior features
Lighting
Fencing
Fenced
Other structures
Outbuilding
Pool
Yes
Pool features
In Ground
View
Garden, Pool
Waterfront property
No

Lot

Lot size
14,810 sqft
Lot size (acres)
0.34 acres
Zoning
2100
Construction

Type & style

Home type
Single Family Residence
Year built
1958
New construction
No

Materials

Construction
Block
Roof
Shingle
Property condition
Resale
Levels
One
Faces
North
Utilities & green energy

Utilities

Sewer
Public Sewer
Water
Public
Community & HOA

Community

Subdivision
WHISPERING PINES ESTATES
MLS area
2600
55+ community
No

Association

Has association
No
Estimated monthly dues
$0
Amenities
None
Lease details

Not reported by the listing source.

Location

Area details

City
Cutler Bay
County
Miami-Dade
ZIP code
33157
Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number
A11979496
Possession
Negotiable
Original list price
$856,000
Parcel number
3660030030600
Annual property tax
$3,981
Tax year
2025
Tax legal description
WHISPERING PINES ESTS SEC 1 PB 65-24 LOT 1 BLK 5 LOT SIZE 120.000 X 125 OR 19408-4515 122000 1 F/A/U 30-6003-003-0600
Additional MLS details

Reported by the listing source

Association Amenities
None
Association
No
Bathrooms Total Decimal
2
Bathrooms Total Integer
2
Building Area Total
2916
Construction Materials
Block
County Or Parish
Miami-Dade
Days On Market
199
Direction Faces
North
Elementary School
Whispering Pines (Miami-Dade)
High School
Miami Southridge
List Price
799000
Listing Contract Date
2026-03-09
Living Area
1772
Lot Size Acres
0.34
Lot Size Area
15000
MLSArea Major
2600
Middle Or Junior School
Cutler Bay Middle
Mls Status
Active
On Market Date
2026-07-10
Patio And Porch Features
Porch - Screened, Porch
Photos Count
39
Postal Code
33157
Price Change Timestamp
2026-09-22T01:08:45Z
Property Sub Type
Single Family Residence
Property Type
Residential
Rooms Total
1
Senior Community
No
Standard Status
Active
State Or Province
FL
Status Change Timestamp
2026-07-10T05:16:15Z
Stories Total
1
Subdivision Name
WHISPERING PINES ESTATES
Water Source
Public
Tax Annual Amount
3981
Bathrooms Full
2
Pool Private
Yes
Bedrooms Total
4
Waterfront
No
Bathrooms Half
0

Market value

Automated estimate—No licensed valuation source connected
Estimated sales range—Ask Karim for a local market analysis
Estimated rent—No licensed rental valuation source connected

Price history

DateEventPrice
Mar 9, 2026ListedMIAMI REALTORS® MLS$856,000$483/sqft
Sep 22, 2026Price reducedMIAMI REALTORS® MLS$799,000$451/sqft

Public tax history

YearProperty taxesAssessment
2025$3,981—

Payment calculator

Estimated monthly payment$4,878/moIllustrative estimate, not a loan offer.
Principal & interest
$4,146
Property taxes
$332
Insurance
$400
Association dues
$0

Live national rate context is displayed below through Mortgage News Daily’s official widget. The calculator rate remains a separate assumption until licensed machine-readable access is connected. This is not a loan offer.

Neighborhood

Area

WHISPERING PINES ESTATES

Cutler Bay · Miami-Dade County · 33157

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Whispering Pines (Miami-Dade)Elementary
—
Cutler Bay MiddleMiddle
—
Miami SouthridgeHigh
—
School names and districts are MLS-reported when available. Verify attendance boundaries with the school district. Ratings require a licensed ratings provider.

Nearby homes

12 homes

Similar homes

12 homes
MLS listing source

MIAMI REALTORS® MLS · Listing courtesy of Cutler Realty, Inc.. All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. IDX information is provided exclusively for consumers’ personal, non-commercial use and may be used only to identify prospective properties they may be interested in purchasing or leasing. Terms of use · Equal Housing Opportunity.