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ActiveMLS listing sourceMIAMI REALTORS® MLS
ActiveMLS® A12082786
$550,000

20315 SW 86th Court, Cutler Bay, FL 33189

Beds
3
Baths
2
Sqft
1,510
Est. payment$3,427/mo
Home type
Single Family Residence
Year built
1989
Lot size
3,920 sqft
Price / sqft
$364
HOA
$150/mo
Community
SEA GRAPE TOWN HOMES

Property description

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!

Listing activity

Days on market
4
Listed
Sep 10, 2026
MLS listing updated
Sep 12, 2026
Feed last checked
6 minutes ago

Listed by Linsayd Avila · The Lab Realty Group, LLC

Map

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

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms
3
Bathrooms
2
Bathrooms (decimal)
2
Full bathrooms
2
Half bathrooms
0

Rooms & features

Rooms
1
Flooring
Ceramic Tile
Appliances
Dishwasher, Electric Range, Refrigerator, Other
Other equipment
Other

Heating & cooling

Heating
Central
Cooling
Electric
Property

Parking

Garage spaces
0
Carport spaces
0
Covered spaces
0
Parking features
Driveway
Attached garage
No

Exterior

Stories
1
Building area
1,540 sqft
Entry level
1
Patio & porch
Porch - Screened, Porch, Patio
Pool
No
View
Lake
Waterfront
Lake
Waterfront property
Yes

Lot

Lot size
3,920 sqft
Lot size (acres)
0.09 acres
Zoning
0100
Construction

Type & style

Home type
Single Family Residence
Year built
1989

Materials

Construction
CBS
Roof
Shingle
Levels
One
Faces
Southwest
Utilities & green energy

Utilities

Sewer
Public Sewer
Water
Public
Community & HOA

Community

Subdivision
SEA GRAPE TOWN HOMES
MLS area
2600
55+ community
Yes

Association

Has association
Yes
Association fee
$150 monthly
Estimated monthly dues
$150
Amenities
Gated, Maintained Community, Street Lights
Services included
Common Areas, Maintenance Grounds, Security, Trash
Lease details

Not reported by the listing source.

Location

Area details

City
Cutler Bay
County
Miami-Dade
ZIP code
33189
Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number
A12082786
Possession
Negotiable
Original list price
$550,000
Parcel number
3660100160140
Annual property tax
$1,777
Tax year
2025
Tax legal description
SEA GRAPE TOWN HOMES PB 106-80 LOT 14 & PROP INT IN & TO COMMON ELEMENTS LOT SIZE 4060 SQ FT OR 16174-3294 1293 1 OR 20387-3768 05 2002 1 F/
Special listing conditions
Real Estate Owned
Additional MLS details

Reported by the listing source

Association Amenities
Gated, Maintained Community, Street Lights
Association Fee Frequency
Monthly
Association Fee Includes
Common Areas, Maintenance Grounds, Security, Trash
Association
Yes
Bathrooms Total Decimal
2
Bathrooms Total Integer
2
Building Area Total
1540
Construction Materials
CBS
County Or Parish
Miami-Dade
Days On Market
4
Direction Faces
Southwest
Elementary School
Dr. Edward L. Whigham
High School
Miami Southridge
List Price
550000
Living Area
1510
Lot Size Acres
0.09
Lot Size Area
4060
MLSArea Major
2600
Middle Or Junior School
Cutler Bay Middle
Mls Status
Active
On Market Date
2026-09-10
Patio And Porch Features
Porch - Screened, Porch, Patio
Postal Code
33189
Property Sub Type
Single Family Residence
Property Type
Residential
Rooms Total
1
Senior Community
Yes
Standard Status
Active
State Or Province
FL
Status Change Timestamp
2026-09-10T04:00:00Z
Stories Total
1
Subdivision Name
SEA GRAPE TOWN HOMES
Water Source
Public
Waterfront Features
Lake
Tax Annual Amount
1777
Bathrooms Full
2
Pool Private
No
Bedrooms Total
3
Bathrooms Half
0
General Property Information: Senior Community
Yes
Financial Information: Estimated Monthly Assoc Recurring Fee
150
Financial Information: Membership Fee Required
Yes

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
Sep 10, 2026ListedMIAMI REALTORS® MLS$550,000$364/sqft

Public tax history

YearProperty taxesAssessment
2025$1,777—

Payment calculator

Estimated monthly payment$3,427/moIllustrative estimate, not a loan offer.
Principal & interest
$2,854
Property taxes
$148
Insurance
$275
Association dues
$150

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

SEA GRAPE TOWN HOMES

Cutler Bay · Miami-Dade County · 33189

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Dr. Edward L. WhighamElementary
—
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 The Lab Realty Group, LLC. 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.