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Single Family Residence
$719,900$404 / sqft
20221 SW 85th Ct, Cutler Bay FL 33189
Listed
4
Bedrooms
2
Bathrooms
1,782 sqft
Interior
1997
Year built
None
HOA
Single Family Residence
Type
About this home
Some homes you walk through. This one you feel the moment you turn onto its quiet, tree-lined street in Cutler Bay. Set on a 6,349 sq. ft. lot behind a paver driveway, this single-story, 4-bedroom, 2-bathroom home spreads across 2,400 total square feet — with NO HOA. Vaulted ceilings and elegant French doors open the living spaces to light, and the beautiful garden outside makes the whole home feel calm and private. The heart of the home is a modern kitchen made for gathering: stainless steel appliances and a wine cooler for evenings that stretch a little longer. The bathrooms have been updated in the same clean, modern style, and an updated slate tile roof overhead means peace of mind for years to come. Outside, the spacious back patio is ready for whatever your weekends look like — family barbecues, quiet morning coffee, or friends staying late under the South Florida sky. A two-car garage keeps everything tucked away. And the location does the rest: conveniently near Old Cutler Road, Cutler Bay Senior High, and Zoo Miami — the best of Cutler Bay living, without the HOA.
Features
- First Floor Entry
- No Additional Rooms
- None
Leasing
- Minimum lease
- Not stated
- Ok To Lease
Leasing terms as stated in the MLS listing, not verified by us. The association’s governing documents control what is actually permitted and can change — confirm before you buy.
Location
Run the numbers
We fill in the price and the building's HOA dues. That leaves tax, insurance and maintenance — they depend on your exemptions, your insurer and the unit, so we don't guess them. Rent starts from what comparable units are asking nearby. Vacancy and the loan terms below start at common defaults; change them.
Median asking rent for 4-bed rentals across Miami-Dade, from 200 active listings; the middle half ask $3,800–$9,500.That is what landlords ask, not what units let for — edit it if you know better.
Our default, not a market figure
From the listing
Depends on assessed value & exemptions
Varies widely by building
Repairs, turnover, management
Cap rate
Cash-on-cash
Monthly cash flow
Net operating income
Enter property tax, insurance, maintenance to see the returns. A cap rate calculated without every cost overstates the deal — often by half — so we don't show a partial one.
Illustration only — not a loan offer, quote, or investment advice. We are not a lender and neither offer nor arrange financing. The loan fields start at 20% down over 30 years at 6.5% (rates as of July 2026); that is a nominal rate for illustration, not an APR, and your actual terms will differ. Cap rate is unlevered; cash-on-cash counts the down payment as invested capital and excludes closing costs.
Listing data from the MIAMI Association of REALTORS® (MIAMIRE) IDX program. Information deemed reliable but not guaranteed. Demo data shown for layout purposes.