ActiveMLS® A12092998

$520,000

8859 SW 223rd Terrace, Cutler Bay, FL 33190

Beds: 3
Baths: 2
Sqft: 1,876

Est. payment$3,527/mo

Home type: Single Family Residence
Year built: 2005
Lot size: 5,227 sqft
Price / sqft: $277
HOA: $110/mo
Community: THE RESERVES

Property description

Opportunity in the Lakes by the Bay area of Cutler Bay. This two-story home features an attractive Mediterranean-style exterior with tile roof, stone accents, second-floor balcony, paver driveway and two-car garage. Enjoy a convenient location near Lakes by the Bay Park, Black Point Park & Marina, Southland Mall, dining, shopping and entertainment, with easy access to major roadways. Property is occupied. Do not disturb occupants. No showings or interior access will be permitted. Property is being sold as-is.This property is now active in an online auction. All offers must be submitted through the property’s listing page on Auction. The sale will be subject to a 5% buyer’s premium pursuant to the Auction Terms and Conditions (minimums may apply). All auction bids will be processed subject to seller approval.

Listing activity

Days on market: 11
Listed: Sep 18, 2026
MLS listing updated: 3 hours ago
Feed last checked: 12 minutes ago

Listed by Luis F Guzman · Continental Realty, 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
Interior features: Other
Flooring: Other
Other equipment: None

Heating & cooling

Heating: Central
Cooling: Central Air

Property

Parking

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

Exterior

Stories: 2
Building area: 1,823 sqft
Exterior features: Balcony
Pool: No
Waterfront property: No

Lot

Lot size: 5,227 sqft
Lot size (acres): 0.12 acres
Zoning: 0100

Construction

Type & style

Home type: Single Family Residence
Year built: 2005

Materials

Construction: CBS
Roof: Barrel
Levels: Two
Faces: South

Utilities & green energy

Utilities

Sewer: Public Sewer
Water: Public

Community & HOA

Community

Subdivision: THE RESERVES
MLS area: 2600
Pets allowed: Yes
55+ community: No

Association

Has association: Yes
Association fee: $110 monthly
Estimated monthly dues: $110
Amenities: Gated, Pool, Clubhouse, Fitness Center

Lease details

Not reported by the listing source.

Location

Area details

City: Cutler Bay
County: Miami-Dade
ZIP code: 33190

Manufactured home details

Not reported by the listing source.

Financial & listing details

Listing

MLS number: A12092998
Possession: Other
Original list price: $520,000
Parcel number: 3660160130540
Annual property tax: $5,505
Tax year: 2025
Tax legal description: LAKES BY THE BAY KAYE PB 161-95 T-20976 LOT 7 BLK 3 LOT SIZE 5278 SQ FT FAU 30 6016 000 0020 COC 23147-4435 02 2005 1 F/A/U 30-6016-013-0540
Special listing conditions: Auction, Real Estate Owned

Additional MLS details

Reported by the listing source

Association Amenities: Gated, Pool, Clubhouse, Fitness Center
Association Fee Frequency: Monthly
Association: Yes
Bathrooms Total Decimal: 2
Bathrooms Total Integer: 2
Building Area Total: 1823
Construction Materials: CBS
County Or Parish: Miami-Dade
Days On Market: 11
Direction Faces: South
Elementary School: Dr. Edward L. Whigham
High School: Miami Southridge
List Price: 520000
Listing Contract Date: 2026-09-18
Living Area: 1876
Lot Size Acres: 0.12
Lot Size Area: 5278
MLSArea Major: 2600
Middle Or Junior School: Cutler Bay Middle
Mls Status: Active
On Market Date: 2026-09-18
Photos Count: 1
Postal Code: 33190
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: 2026-09-18T04:00:00Z
Stories Total: 2
Subdivision Name: THE RESERVES
Water Source: Public
Tax Annual Amount: 5505
Bathrooms Full: 2
Pool Private: No
Bedrooms Total: 3
Waterfront: No
Bathrooms Half: 0
Financial Information: Estimated Monthly Assoc Recurring Fee: 110
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

Date	Event	Price
Sep 18, 2026	ListedMIAMI REALTORS® MLS	$520,000$277/sqft

Public tax history

Year	Property taxes	Assessment
2025	$5,505	—

Payment calculator

Estimated monthly payment$3,527/moIllustrative estimate, not a loan offer.

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

Principal & interest: $2,698
Property taxes: $459
Insurance: $260
Association dues: $110

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

THE RESERVES

Cutler Bay · Miami-Dade County · 33190

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.

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