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20221 SW 85th Court SW, Cutler Bay FL 33189
About this home
Best value in Cutler Bay! Fully updated 4 bedroom, 2 bath home in Cutler Bay that's ready for you to move right in. The open layout, vaulted ceilings, and porcelain flooring throughout create a fresh, modern feel from the moment you step inside. The gourmet kitchen brings together quartz countertops, a pot filler, wine chiller, modern appliances, and custom pull out storage, all designed with comfort and convenience in mind. Impact French doors open to the backyard, where you'll enjoy a covered patio, an avocado tree and a fruit cocktail tree producing grapefruit, Meyer lemons, and three varieties of oranges. Inside, you'll find updated bathrooms, an upgraded AC, and a full size washer and dryer. And with no HOA, you can enjoy your home without restrictions. Close to parks and schools. New Flat Tile Roof Replace in 2021- Stand alone freezer does not come with the house. The barstools stay with the house.
Features
- Cooking Island
- French Doors
- Vaulted Ceiling(s)
- Walk-In Closet(s)
- Barbeque
Location
Approximate — shows the building, not the unit. Open in maps (opens in a new tab)
Estimated loan & HOA
Loan payment and HOA only. Property tax and insurance are significant here and are not included.
- Principal & interest
- $3,742
- HOA
- None
Illustration only — not a loan offer, quote, or commitment. Assumes a 30-year loan at 6.5% with 20% down (rates as of July 2026); your actual terms will differ.
Schedule a tour
Request a private or video tour with a local agent.
Run the numbers
We fill in the price and the building's HOA dues. That leaves rent, tax, insurance and maintenance — they depend on your exemptions, your insurer and the unit, so we don't guess them. Vacancy and the loan terms below start at common defaults; change them.
Enter rent, 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. 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.