ActiveMLS® A12087443

$749,000

8284 SW 205th Terrace, Cutler Bay, FL 33189

Beds: 5
Baths: 3
Sqft: 2,489

Est. payment$5,051/mo

Home type: Single Family Residence
Year built: 1973
Lot size: 9,583 sqft
Price / sqft: $301
HOA: $47/mo
Community: SAGA BAY SEC ONE PART ONE

Property description

Welcome to this spacious 5-bedroom, 3-bathroom home in the desirable Saga Bay community of Cutler Bay. Situated on an oversized approximately 9,450 SF lot, this well-appointed one-story residence offers a private in-law/guest area, an inviting floor plan with generous living and dining spaces, an updated kitchen, remodel bathroom, new A/C and exceptional flexibility for today’s lifestyle. The private in-law/guest area has its own entrance and bathroom which provides an ideal option for extended family, guests, rent, or additional living space. French doors open to a large patio overlooking a fully fenced backyard with landscaping and fruit trees, creating a peaceful setting for outdoor enjoyment and entertaining. Space to park a boat. Conveniently located near Black Point Marina, parks, recreation, shopping, dining, and major roadways.

Listing activity

Days on market: 1
Listed: Sep 17, 2026
MLS listing updated: Sep 18, 2026
Feed last checked: 12 minutes ago

Listed by Juan Florian · Florida Capital Realty

Map

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

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 5
Bathrooms: 3
Bathrooms (decimal): 3
Full bathrooms: 3
Half bathrooms: 0

Rooms & features

Rooms: 2
Flooring: Ceramic Tile
Appliances: Electric Water Heater, Dishwasher, Dryer, Electric Range, Refrigerator, Washer

Heating & cooling

Heating: Central
Cooling: Central Air

Property

Parking

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

Exterior

Stories: 1
Building area: 2,525 sqft
Entry level: 1
Exterior features: Lighting
Fencing: Fenced
Other structures: Outbuilding
Pool: No
Waterfront property: No

Lot

Lot size: 9,583 sqft
Lot size (acres): 0.22 acres
Lot features: Fruit Tree(s), Room for Pool
Zoning: 0100

Construction

Type & style

Home type: Single Family Residence
Year built: 1973

Materials

Construction: Block
Roof: Barrel
Levels: One
Faces: East

Utilities & green energy

Utilities

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: SAGA BAY SEC ONE PART ONE
MLS area: 2600
55+ community: Yes

Association

Has association: Yes
Association fee: $140 quarterly
Estimated monthly dues: $47
Amenities: Tennis Court(s)

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: A12087443
Possession: Negotiable
Original list price: $749,000
Parcel number: 3660100010850
Annual property tax: $8,908
Tax year: 2025
Tax legal description: SAGA BAY SEC ONE PART ONE PB 94-32 LOT 23 BLK 4 LOT SIZE 90.000 X 105 OR 20107-4931 122001 1 COC 23075-2122 02 2005 1 F/A/U 30-6010-001-0850

Additional MLS details

Reported by the listing source

Association Amenities: Tennis Court(s)
Association Fee Frequency: Quarterly
Association: Yes
Bathrooms Total Decimal: 3
Bathrooms Total Integer: 3
Building Area Total: 2525
Construction Materials: Block
County Or Parish: Miami-Dade
Days On Market: 1
Direction Faces: East
Elementary School: Dr. Edward L. Whigham
High School: Miami Southridge
List Price: 749000
Listing Contract Date: 2026-09-17
Living Area: 2489
Lot Size Acres: 0.22
Lot Size Area: 9450
MLSArea Major: 2600
Middle Or Junior School: Cutler Bay Middle
Mls Status: Active
On Market Date: 2026-09-17
Photos Count: 18
Postal Code: 33189
Property Sub Type: Single Family Residence
Property Type: Residential
Rooms Total: 2
Senior Community: Yes
Standard Status: Active
State Or Province: FL
Status Change Timestamp: 2026-09-17T04:00:00Z
Stories Total: 1
Subdivision Name: SAGA BAY SEC ONE PART ONE
Water Source: Public
Tax Annual Amount: 8908
Bathrooms Full: 3
Pool Private: No
Bedrooms Total: 5
Waterfront: No
Bathrooms Half: 0
General Property Information: Senior Community: Yes
Financial Information: Estimated Monthly Assoc Recurring Fee: 47

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

Date	Event	Price
Sep 17, 2026	ListedMIAMI REALTORS® MLS	$749,000$301/sqft

Public tax history

Year	Property taxes	Assessment
2025	$8,908	—

Payment calculator

Estimated monthly payment$5,051/moIllustrative estimate, not a loan offer.

Loan typeDown payment (%)Interest rate assumption (%)Loan termInsurance / month

Principal & interest: $3,886
Property taxes: $742
Insurance: $375
Association dues: $47

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

SAGA BAY SEC ONE PART ONE

Cutler Bay · Miami-Dade County · 33189

Climate risk

—

No licensed climate-risk source is connected.

Nearby schools

Dr. Edward L. WhighamElementary

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Cutler Bay MiddleMiddle

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Miami SouthridgeHigh

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School names and districts are MLS-reported when available. Verify attendance boundaries with the school district. Ratings require a licensed ratings provider.

Nearby homes

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