18645 SW 90th Ave, Cutler Bay FL 33157 | Miami-Dade County | A12026631

The list price is $749,000. While the MLS record does not specify a furnished status, all fixtures and built-in appliances, along with the private in-ground pool, are included with the home. Community or on-site amenities would be confirmed separately, as they are not part of the real property.

To verify what personal property may convey, you should contact Christopher Lazaro, Cutler Bay Real Estate Realtor, for a precise review of the listing.

The property at 18645 SW 90th Ave is situated in Cutler Bay, Florida, 33157. This places it within the broader coastal corridor south of Miami.

For a detailed evaluation of the area's specific traffic patterns, municipal services, and development plans, you should contact Christopher Lazaro, Cutler Bay Real Estate Realtor, to verify this information directly.

This single-family home has no mandatory HOA or association fees on record. The owner is responsible for all utilities, landscaping, and exterior maintenance.

The property remains subject to Cutler Bay city ordinances, which can be reviewed in the municipal code. For precise verification of any local regulations, please contact Christopher Lazaro, Cutler Bay Real Estate Realtor.

The tax of record is $3,613 (2025), but Florida reassesses upon sale. Our estimate: at the $749,000 list price and a Miami-Dade rate near 2.0%, annual property tax would be approximately $14,980 without a homestead exemption, or about $13,980 with it. The homestead exemption lowers the taxable value, but only if this is your primary residence.

These are estimates, not quotes; you must confirm final figures with the Miami-Dade Property Appraiser and a tax professional. For precise verification on this property, contact Christopher Lazaro, Cutler Bay Real Estate Realtor.

The property is located in a high-risk flood zone, per FEMA's designation. Flood zones indicate the likelihood of an area experiencing flooding, with high-risk zones carrying a greater than 1% annual chance.

Lenders typically require flood insurance for homes in these zones. To verify the specific zone and its implications for this listing at $749,000, please contact Christopher Lazaro, Cutler Bay Real Estate Realtor. You can review the FEMA definitions and view the FEMA flood map for this address.

As a single-family home, this property has no condo or HOA board setting pet rules. The policy is set by the owner, subject to local ordinances and any applicable lease terms.

Documented service animals and emotional support animals are protected under federal law. For precise verification of the current owner's policy, please contact Christopher Lazaro, Cutler Bay Real Estate Realtor.

The price is anchored in the current market. Recent Miami-Dade single-family home sales closed at 95% of the original list price, taking roughly 41 days to reach contract. A comparative market analysis for Cutler Bay provides the specific valuation for this property and its vicinity.

I recommend obtaining that local CMA before formulating an offer. To verify the analysis and discuss strategy, you should contact Christopher Lazaro, Cutler Bay Real Estate Realtor.

I recommend securing a formal mortgage pre-approval from a Florida Licensed Mortgage Loan Originator before touring any property. This step clarifies your exact budget and strengthens your position as a serious buyer.

Once you have your pre-approval letter, contact me, Christopher Lazaro, to schedule a viewing of 18645 SW 90th Ave and to verify all listing details directly.